Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank holding company |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 1 Dec 2015 |
| RSSD ID | 3696093 |
| Address | 3118 Pascagoula Street, Pascagoula, MS 39567 Directions (Google Maps) |
| Website | Not given on the official list (listed as “Not Available”) |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Not yet verifiedWe have not yet read this lender's website, so we can't list its loan products, sizes or service area. That doesn't mean it lacks them. The official list gives no website for this lender; contact it at the address above.
Questions to ask when you contact them
We have no details from their website yet, so these are the basics to ask any lender. Something missing here does not mean they don't offer it: ask.
- What kinds of loans do you make, and which one fits what I need?
We have no loan details from their website. - Do you lend where I live, or where my business is?
- What are the smallest and the largest loans you make?
- What interest rate and fees should I expect? For a personal, car or home loan, ask for the APR.
- What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$725,000 in 1 award from the U.S. Treasury's CDFI Fund, 2024 (CDFI Program, Financial Assistance).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $725,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $50.6 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026Subsidiary bank on file with the FDIC: TownBridge Bank (FDIC cert 12203, total assets $1.3 billion). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $1.3 billion (as of 30 Jun 2026) |
|---|---|
| Offices | 24 in 3 states (as of 30 Oct 2026) |
Offices by state and county (24)
Mississippi (11 offices)
- George County (1): 11283 Old 63 S, Lucedale 39452
- Jackson County (9): 3118 Pascagoula St, Pascagoula 39567 (main office); 1200 Highway 90, Gautier 39553; 16831 Highway 63, Moss Point 39562; 21536 Highway 613, Moss Point 39562; 4619 Main St, Moss Point 39563; 7616 Highway 613, Moss Point 39563; 2008 Bienville Blvd, Ocean Springs 39564; 6416 Washington Ave, Ocean Springs 39564; 1807 Market St, Pascagoula 39567
- Lamar County (1): 4607 Hardy St, Hattiesburg 39402
Alabama (5 offices)
- Baldwin County (3): 27765 Us Highway 98, Daphne 36526; 325 Fairhope Ave, Fairhope 36532; 1820 Gulf Shores Pkwy, Gulf Shores 36542
- Mobile County (2): 5 N Royal St, Mobile 36602; 6161 Airport Blvd, Mobile 36608
Louisiana (8 offices)
- Lafayette Parish (2): 1525 Ambassador Caffery Pkwy, Lafayette 70506; 2110 W Pinhook Rd, Lafayette 70508
- Plaquemines Parish (2): 8435 Highway 23, Belle Chasse 70037; 27104 Highway 23, Port Sulphur 70083
- St. Martin Parish (4): 1012 Sloan St, Arnaudville 70512; 100 S Main St, Breaux Bridge 70517; 2829 Grand Point Hwy, Breaux Bridge 70517; 929 Rees St, Breaux Bridge 70517
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026A bank holding company files no Call Report of its own. These figures are from its subsidiary bank, TownBridge Bank (RSSD 94139, FDIC cert 12203), the only active bank the FDIC lists under this holding company. Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $685 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Up 45.5% from $471 million on 30 Jun 2025 |
| Total assets | $1.35 billion (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $142.1 million | 20.7% |
| Home equity lines of credit | $28.6 million | 4.2% |
| Commercial real estate, construction and multifamily | $391.1 million | 57.1% |
| Commercial and industrial (business) loans | $78.7 million | 11.5% |
| Farmland and farm production loans | $23.2 million | 3.4% |
| Consumer loans (credit cards, auto, other) | $16.8 million | 2.5% |
| All other loans and leases | $4.6 million | 0.7% |
Within consumer loans: auto loans $2.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 55 loans $2.5 million | 371 loans $9.9 million |
| $100,001 to $250,000 | 82 loans $11 million | 73 loans $7.1 million |
| $250,001 to $1 million | 128 loans $46.8 million | 51 loans $14.3 million |
| All small business loans | 265 loans $60.3 million | 495 loans $31.3 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 9 loans $370,000 | 5 loans $422,000 |
| $100,001 to $250,000 | 8 loans $843,000 | 5 loans $543,000 |
| $250,001 to $500,000 | 3 loans $1.1 million | 6 loans $1.9 million |
| All small farm loans | 20 loans $2.3 million | 16 loans $2.9 million |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported by its bank (2025)
FFIEC HMDA data, 2025The HMDA reporter panel lists Merchants & Marine Bancorp, Inc. as the parent or top holder of this filer, which is also a certified CDFI with its own page:
- Merchants & Marine Bank: 219 originated home loans
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $1.35 billion | Larger than 82% of the 82 other certified banks and bank holding companies in Mississippi (median $408.8 million). |
| Loans as a share of assets | 51% | Median of the same 82 banks and bank holding companies: 62%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $471 million → $685 million (+45%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +8%. Rank by loans held among these 83: 21 → 17. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Mississippi | 82 | larger than 82% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 21 → 17 of 83 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
SBA loans approved
SBA data as of 30 Sep 2026SBA loan data names this holding company's bank, not the holding company. Its subsidiary Merchants & Marine Bank is certified separately and shows its SBA 7(a) and 504 approvals for FY2020–FY2026 on its own page.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Pascagoula and Mississippi
- First Federal Savings & Loan Association of Pascagoula-Moss PointBank or thrift · Pascagoula, MSHome mortgagesVerified
- Merchants & Marine BankBank or thrift · Pascagoula, MSAuto / vehicle loans, Commercial real estate loans, Equipment loans, Home mortgages…Verified
- BANK OF BROOKHAVENBank or thrift · Brookhaven, MSAuto / vehicle loans, Home repair / improvement loans, Home mortgages, Small-business loansVerified
- BANKPLUSBank or thrift · Belzoni, MSCredit-builder loans, Home mortgages, Personal / consumer loans, Small-business loansVerified
- Bancorp Of Okolona, INcBank holding company · Okolona, MSVerified
- Bank of AnguillaBank or thrift · Anguilla, MSAgriculture / farm loans, Auto / vehicle loans, Commercial real estate loans, Equipment loans…Verified
Work at Merchants & Marine Bancorp, Inc.? Link to this page
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