TellerScore

TownBridge Bank (FDIC certificate #12203) is based in Pascagoula, Mississippi. Its Q2 2026 call report shows $1.3B in total assets and $1.0B in deposits and 24 offices across 3 states.

Based on its Q2 2026 filing, TownBridge Bank scores 61/100, which we describe as moderate. That is higher than only 24% of 897 banks with $1 billion – $10 billion. Among 57 banks headquartered in Mississippi, it ranks 48th. Its strongest component is earnings (100/100; 2.22%), and its lowest is loan quality (35/100; 1.94%).

TellerScore · Q2 2026

Scorecard

Capital cushion38/100
Tier 1 leverage ratio: 8.83%
Loan quality35/100
Noncurrent loans ÷ total loans: 1.94%
Earnings100/100
Return on assets (annualized): 2.22%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 67.3% · 22.9% uninsured
Problem-loan coverage80/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 9.75%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (67 → 61), mostly because the earnings component improved by 64 points.

TellerScore
536372Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202472
Q4 202470
Q1 202572
Q2 202567
Q3 202554
Q4 202554
Q1 202653
Q2 202661
Tier 1 leverage ratio
5.00%9.07%13.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.14%
Q3 202412.18%
Q4 202413.07%
Q1 202513.14%
Q2 202510.88%
Q3 202510.07%
Q4 202510.16%
Q1 202610.12%
Q2 20268.83%
Noncurrent loans
0.43%1.19%1.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.61%
Q4 20241.04%
Q1 20250.59%
Q2 20250.43%
Q3 20251.59%
Q4 20251.75%
Q1 20261.55%
Q2 20261.94%
Return on assets
0.15%1.19%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.57%
Q3 20240.74%
Q4 20240.79%
Q1 20250.45%
Q2 20250.39%
Q3 20250.48%
Q4 20250.52%
Q1 20260.15%
Q2 20262.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202661$1.3B8.83%1.94%2.22%67.3%
Q1 202653$960.8M10.12%1.55%0.15%67.2%
Q4 202554$940.1M10.16%1.75%0.52%70.6%
Q3 202554$947.5M10.07%1.59%0.48%73.2%
Q2 202567$948.3M10.88%0.43%0.39%72.3%
Q1 202572$729.6M13.14%0.59%0.45%74.2%
Q4 202470$715.2M13.07%1.04%0.79%76.7%
Q3 202472$724.6M12.18%0.61%0.74%73.2%
Q2 202472$777.4M12.14%0.48%0.57%71.9%

897 peers · $1 billion – $10 billion

How it compares with peers

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

Capital ratio8.83%
9th
Total risk-based capital14.55%
60th
Problem loans1.94%
9th
Net charge-offs0.03%
51st
Return on assets2.22%
94th
Net interest margin4.66%
91st
Efficiency ratio75.8%
11th
Loans to deposits67.3%
87th
Uninsured deposits22.9%
76th
Loan-loss reserves1.14%
48th
Texas ratio9.8%
18th

Similar-size banks in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
PriorityOne BankBank Magee, MS70 out of 100, Strong$1.2B11.9%1.58%vs
The Citizens Bank of Philadelphia, MississippiBank Philadelphia, MS66 out of 100, Moderate$1.6B9.1%0.47%vs
Bank of CommerceBank Greenwood, MS72 out of 100, Strong$1.1B12.9%0.88%vs
Story Bank DBA Story Financial PartnersBank Jackson, MS66 out of 100, Moderate$1.0B10.8%0.37%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs
Planters Bank & Trust CompanyBank Indianola, MS71 out of 100, Strong$2.7B11.2%0.61%vs

Deposit insurance

Is my money safe at TownBridge Bank?

Yes. TownBridge Bank is an FDIC-insured institution (FDIC certificate #12203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($230.6M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.83%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.55% (benchmark: 10%).

Check how much of your own balance is covered

24 locations

Branches

TownBridge Bank lists 24 offices in 15 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, TownBridge Bank reported 302 home-loan applications under HMDA (LEI 549300ZMSSTP768USP32): 219 originated ($62,295,000 total), 31 denied, and 46 withdrawn or closed by the applicant. Its denial rate on decided applications was 12.1%, 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.

Identity & history

Profile

Legal name
TownBridge Bank
Former names
Merchants & Marine Bank; Merchants & Marine Bank of Pascagoula
Type
State-chartered bank
FDIC certificate #
12203
RSSD ID
94139
Primary regulator
FDIC
Holding company
Merchants&marine Bcorp Inc
Established
January 11, 1932
Headquarters
3118 Pascagoula St, Pascagoula, MS 39567
Employees
296

Quick answers

TownBridge Bank: common questions

Is TownBridge Bank FDIC insured?

Yes. TownBridge Bank is an FDIC-insured institution (FDIC certificate #12203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is TownBridge Bank's TellerScore?

61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has TownBridge Bank ever failed?

There is no failure record for FDIC certificate #12203 in the FDIC failed bank list.

How many branches does TownBridge Bank have?

24 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Pascagoula

InstitutionScoreAssetsCapitalProblem loansCompare
Navigator Federal Credit UnionCredit union Pascagoula, MS90 out of 100, Very strong$406.7M18.0%0.38%vs
Gulf Trust Federal Credit UnionCredit union Pascagoula, MS88 out of 100, Very strong$25.5M21.8%0.03%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Mobile Educators Credit UnionCredit union Mobile, AL84 out of 100, Strong$113.2M13.2%0.74%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
The Peoples Bank, Biloxi, MississippiBank Biloxi, MS82 out of 100, Strong$770.7M15.2%0.18%vs