Is Merchants&Marine Bank Safe?
Merchants&Marine Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (45/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 16.92% | 100/100 |
| Nonperforming Loan Ratio | 0.48% | 90/100 |
| Liquidity Ratio | 33.08% | 100/100 |
| Return on Assets | 0.63% | 45/100 |
| Total Assets | $0.8B | |
How does Merchants&Marine Bank compare?
With a Bank Health Score of 92/100, Merchants&Marine Bank sits 22.0 points above the national average of 70/100 for FDIC-insured banks. Within Mississippi, where 45 FDIC-insured banks are headquartered, Merchants&Marine Bank ranks above the state average of 66/100 (Grade B).
The bank's Tier 1 capital ratio of 16.92% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.48% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Merchants&Marine Bank's Bank Health Score improved by 2.0 points to 92/100. Tier 1 capital weakened by 3.60 percentage points to 16.92%. Quarter-over-quarter, the score rose by 4.0 points.
Merchants&Marine Bank has a Bank Health Score of 92/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (45/100).