Merchants&Marine Bank (FDIC #12203): Bank Stress & Real-Estate Credit Exposure
Merchants&Marine Bank (FDIC Cert #12203): bank stress 47/100, moderate, STABLE over 7 days; parent MERCHANTS&MARINE BCORP INC.
Merchants&Marine Bank (#12203) lends in 8 counties across 3 states; Merchants&Marine Bank (#12203) reaches 110 ZIP codes: Louisiana 3 counties, 29 ZIPs; Mississippi 3 counties, 18 ZIPs; Alabama 2 counties, 63 ZIPs.
Merchants&Marine Bank (#12203) largest markets: Mobile County, AL (78 branches, 39 ZIPs) (#12203), Baldwin County, AL (72 branches, 24 ZIPs) (#12203), Lafayette County, LA (32 branches, 16 ZIPs) (#12203), Jackson County, MS (99 branches, 11 ZIPs) (#12203), St. Martin County, LA (32 branches, 8 ZIPs) (#12203), Plaquemines County, LA (16 branches, 8 ZIPs) (#12203).
Merchants&Marine Bank (#12203) reports $1.35 billion in total assets; Merchants&Marine Bank (#12203) equity $130.2 million (9.7% of Merchants&Marine Bank (#12203) assets); Merchants&Marine Bank (#12203) domestic deposits $1.01 billion; Merchants&Marine Bank (#12203) net income $12.0 million; Merchants&Marine Bank (#12203) return on assets 2.22%; Merchants&Marine Bank (#12203) return on equity 22.13%; Merchants&Marine Bank (#12203) net interest income $21.6 million; Merchants&Marine Bank (#12203) call report June 30, 2026.
Merchants&Marine Bank (#12203) noncurrent real-estate loans: none reported; Merchants&Marine Bank (#12203) net charge-offs on real estate 2.18%; Merchants&Marine Bank (#12203) residential charge-offs 1.59%.
Merchants&Marine Bank (#12203) net interest margin 4.66% against an eight-quarter Merchants&Marine Bank (#12203) average of 5.16% (Merchants&Marine Bank (#12203) compression 0.50 points); Merchants&Marine Bank (#12203) non-residential real estate 158.8% of equity; Merchants&Marine Bank (#12203) rate-exposure score 40/100, Merchants&Marine Bank (#12203) fixed-rate trap 40/100; Merchants&Marine Bank (#12203) risk type credit driven; Merchants&Marine Bank (#12203) rate regime rates elevated, Merchants&Marine Bank (#12203) snapshot October 19, 2026.
Merchants&Marine Bank (#12203) stress score moved from 84.9 on June 22, 2026 to 47.4 on October 19, 2026; Merchants&Marine Bank (#12203) ranged 47.4 to 84.9 over 116 snapshots.
Merchants&Marine Bank (#12203) alerts: 8 counties; top Merchants&Marine Bank (#12203) alert scores: Lafayette County, MS 37 (moderate); Breaux Bridge County, MS 18 (low); Gulf Shores County, MS 18 (low); Hattiesburg County, MS 18 (low); Lucedale County, MS 18 (low).