| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +42.2% | +5.5% | +36.8 pts |
| Deposit growth (YoY) | +56.8% | +5.1% | +51.7 pts |
| Loan growth (YoY) | +45.9% | +5.9% | +39.9 pts |
| ROA | 2.22% | 1.26% | +1.0 pts |
| ROE | 22.1% | 12.2% | +10.0 pts |
ROA ranks in the 94th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.35B | $1.01B | $677.2M | $130.2M | $12.0M | 2.22% | 4.66% | 1.00% |
| Q1 2026 | $960.8M | $658.5M | $442.8M | $98.1M | $354K | 0.15% | 4.40% | 0.72% |
| Q4 2025 | $940.1M | $631.0M | $445.5M | $97.9M | $4.5M | 0.52% | 4.99% | 0.84% |
| Q3 2025 | $947.5M | $637.3M | $466.8M | $95.4M | $3.0M | 0.48% | 5.12% | 0.82% |
| Q2 2025 | $948.3M | $642.1M | $464.3M | $92.1M | $1.6M | 0.39% | 5.29% | 0.22% |
| Q1 2025 | $729.6M | $621.1M | $461.0M | $93.5M | $821K | 0.45% | 5.67% | 0.38% |
| Q4 2024 | $715.2M | $606.3M | $465.1M | $92.3M | $5.6M | 0.79% | 5.63% | 0.68% |
| Q3 2024 | $724.6M | $614.8M | $450.0M | $94.7M | $4.0M | 0.74% | 5.51% | 0.39% |
Loan mix (Q2 2026): real estate $577.0M · commercial $78.7M · consumer $16.8M · securities $423.2M
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 1.26% | 94th | |
Return on equity Annualized net income ÷ equity or net worth | 22.1% | 12.2% | 94th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.66% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 75.8% | 59.0% | 89th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Merchants & Marine Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
18 branches in 6 counties across 3 states (+0 vs 2024) · $642.1M branch deposits. Biggest market: Jackson, MS, ranked 2nd with 11.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, MS | 9 | $401.6M | 11.58% | 2nd |
| Plaquemines, LA | 2 | $104.6M | 12.10% | 4th |
| Baldwin, AL | 3 | $74.6M | 0.97% | 21st |
| 3 more counties with Pro → | ||||
Mississippi: 31st with 0.58% · Louisiana: 127th with 0.07% · Alabama: 147th with 0.06% · Gulfport-Biloxi metro: 7th, 3.56% · New Orleans-Metairie metro: 29th, 0.27% ·
Branch count: 2022 15 · 2023 16 · 2024 18 · 2025 18