The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score fell 2 points (93 → 91), mostly because the earnings component weakened by 12 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Mississippi

Yes. Merchants and Planters Bank is an FDIC-insured institution (FDIC certificate #327). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.4% of deposits ($47.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 18.17%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Merchants and Planters Bank lists 5 offices in 5 cities. Most locations:

• Bay Springs, MS (1)
• Bolton, MS (1)
• Clinton, MS (1)
• Jackson, MS (1)
• Raymond, MS (1)

All branch addresses and map

In 2025, Merchants and Planters Bank reported 51 home-loan applications under HMDA (LEI 549300XBK37R056FL102): 49 originated ($12,375,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Merchants and Planters Bank

Type

State-chartered bank

FDIC certificate #

327

RSSD ID

579636

Primary regulator

FDIC

Established

February 1, 1906

Headquarters

308 Raymond Sq, Raymond, MS 39154

Website

www.mpbank.net

Employees

50