MS lenders / Community Bank
Merchants & Marine Bank
Community Bank · Pascagoula, MS · Merchants&Marine Bcorp Inc
- Total assets
- $960.8M
- CRE loan book
- $249.4M
- QoQ CRE growth
- -0.3%
- Q1 2026
Observed rates
Real loans — SBA 7(a)
3 SBA 7(a) real-estate loans in Texas over the last 12 months · median rate 10.25% (3 variable / 0 fixed) · $5.3M total approved.
Source: SBA 7(a) FOIA dataset · most recent approval Nov 28, 2025. Loan-level government-guaranteed pricing; conventional CRE terms may differ.
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.40% as of Q1 2026 — TX bank median 4.87% (1.54pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.40% | 6.75% |
| Q4 2025 | 6.52% | 7.00% |
| Q3 2025 | 7.05% | 7.10% |
| Q2 2025 | 6.80% | 7.30% |
| Q1 2025 | 6.51% | 6.93% |
| Q4 2024 | 6.70% | 7.33% |
| Q3 2024 | 6.93% | 7.24% |
| Q2 2024 | 6.91% | 7.31% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
For a current market estimate for your property, use the terms estimator →
CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $249.4M | $59.7M | $15.0M | 156% | $4.1M |
| Q4 2025 | $250.2M | $52.7M | $20.1M | 156% | $3.8M |
| Q3 2025 | $265.4M | $56.8M | $30.8M | 171% | $3.4M |
| Q2 2025 | $265.5M | $69.6M | $27.7M | 177% | $487,000 |
| Q1 2025 | $263.0M | $84.2M | $14.2M | 173% | $668,000 |
| Q4 2024 | $268.8M | $85.9M | $14.2M | 178% | $706,000 |
| Q3 2024 | $254.1M | $80.4M | $3.0M | 165% | $734,000 |
| Q2 2024 | $247.8M | $72.7M | $3.0M | 159% | $738,000 |
Signals
Recent news
- Merchants & Marine Bancorp, Inc. Announces Second Quarter Financial Results and Share Repurchase Program - The AI Journal — Coverage of Merchants & Marine Bank related to commercial real estate and lending reported by aijourn.com.Aug 7, 2026
- Merchants & Marine Bancorp, Inc. Announces Second Quarter Financial Results and Share Repurchase Program - Business Wire — Coverage of Merchants & Marine Bank related to commercial real estate and lending reported by businesswire.com.Aug 7, 2026
Similar lenders
Other community banks we track with a comparable CRE book size.
- Citizens BankCommunity Bank · Kilgore · $252.0M CRE book
- First State Bank NebraskaCommunity Bank · Lincoln · $254.6M CRE book
- Farmers Bank and Trust CompanyCommunity Bank · Marion · $243.7M CRE book
- FCN Bank, National AssociationCommunity Bank · Brookville · $256.5M CRE book
- City State BankCommunity Bank · Norwalk · $256.6M CRE book
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.