At a glance
From its website, read 2 Nov 2026Merchants & Planters Bank is a bank or thrift based in Raymond, Mississippi. Its website describes farm loans, auto loans, commercial real estate loans and 4 other loan types. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (601) 857-8044 source |
|---|---|
| Apply online | Page with the application link |
| Website | www.mpbank.net |
| Office (official list) | 308 Raymond Square P.O. Box 699, Raymond, MS 39154 |
What their website says about applying
Whatever your goals, our loan officers can help you navigate the application process.
sourceor start a secure online application.
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 13 Dec 2013 |
| RSSD ID | 579636 |
| Address | 308 Raymond Square P.O. Box 699, Raymond, MS 39154 |
| Website | www.mpbank.net |
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
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. No loan amounts or explicit lending service area are stated on the pages fetched; the Mississippi reference comes from the founding history and branch addresses. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Agriculture / farm loans | — | Agricultural Loans and more | source |
| Auto / vehicle loans | — | Considering buying a new or used car or truck? | source |
| Commercial real estate loans | — | Commercial Real Estate Loans | source |
| Home mortgages | — | We offer a full array of mortgage options and products. | source |
| Personal / consumer loans | — | Unsecured Personal Loans | source |
| SBA-backed loans (7(a)/504/Community Advantage) | — | Small Business Administration Loans | source |
| Small-business loans | — | we offer direct Commercial Loans to businesses large and small | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. start a secure online application.
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home mortgages?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your farm loans and commercial real estate loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
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$8.3 million in 11 awards from the U.S. Treasury's CDFI Fund, 2014–2024 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $450,000 |
| 2022 | CDFI Equitable Recovery Program | $3,718,258 |
| 2022 | CDFI Program, Financial Assistance | $425,000 |
| 2021 | Bank Enterprise Award Program | $170,699 |
| 2021 | CDFI Rapid Response Program | $1,826,265 |
| 2019 | CDFI Program, Financial Assistance | $599,000 |
| 2018 | CDFI Program, Financial Assistance | $650,000 |
| 2017 | Bank Enterprise Award Program | $194,747 |
| 2016 | Bank Enterprise Award Program | $112,964 |
| 2015 | Bank Enterprise Award Program | $36,000 |
| 2014 | Bank Enterprise Award Program | $163,925 |
Emergency Capital Investment Program (ECIP)
Treasury invested $18.5 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 2026On file with the FDIC as Merchants and Planters Bank (FDIC cert 327). 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 | $199 million (as of 30 Jun 2026) |
|---|---|
| Offices | 6 (as of 30 Oct 2026) |
Offices by state and county (6)
Mississippi (6 offices)
- Hinds County (5): 308 Raymond Sq, Raymond 39154 (main office); 297 W Madison St, Bolton 39041; 133 Highway 80 E, Clinton 39056; 4266 I-55 North, Jackson 39211; 106 W Main St, Raymond 39154
- Jasper County (1): 6a N Third St, Bay Springs 39422
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 2026Figures from the Call Report filed by Merchants and Planters Bank (RSSD 579636, FDIC cert 327). 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 | $96.8 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 1.9% from $98.7 million on 30 Jun 2025 |
| Total assets | $199 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $26.2 million | 27.1% |
| Home equity lines of credit | $2.3 million | 2.4% |
| Commercial real estate, construction and multifamily | $44 million | 45.5% |
| Commercial and industrial (business) loans | $12.2 million | 12.6% |
| Farmland and farm production loans | $9.9 million | 10.2% |
| Consumer loans (credit cards, auto, other) | $2.1 million | 2.2% |
| All other loans and leases | $69,000 | 0.1% |
Within consumer loans: auto loans $637,000.
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 | 21 loans $742,000 | 109 loans $2.3 million |
| $100,001 to $250,000 | 29 loans $3.5 million | 19 loans $2.2 million |
| $250,001 to $1 million | 35 loans $13.7 million | 16 loans $5.6 million |
| All small business loans | 85 loans $18 million | 144 loans $10.1 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 | 21 loans $1 million | 4 loans $85,000 |
| $100,001 to $250,000 | 9 loans $1.2 million | 1 loan $67,000 |
| $250,001 to $500,000 | 3 loans $919,000 | none reported |
| All small farm loans | 33 loans $3.1 million | 5 loans $152,000 |
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 under HMDA (2025)
FFIEC HMDA data, 2025Merchants & Planters Bank reported 49 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $12.4M (median loan about $175,000). 9 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 9 | 18% |
| Refinance (incl. 6 cash-out) | 31 | 63% |
| Other purpose | 9 | 18% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 49 | 100% |
Included above: 3 loans on manufactured homes.
Where the loans were made
Counties with the most 2025 originations, out of 10 counties with at least one; 98% of its 2025 loans were for properties in Mississippi:
- Hinds County, MS (19)
- Madison County, MS (11)
- Jasper County, MS (7)
- Rankin County, MS (5)
Filed under LEI 549300XBK37R056FL102 as “Merchants & Planters Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
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) | $199 million | Larger than 13% of the 82 other certified banks and bank holding companies in Mississippi (median $427 million). |
| Loans as a share of assets | 49% | 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 | $98.7 million → $96.8 million (-2%) | Median change of 82 other certified banks and bank holding companies in Mississippi: +9%. Rank by loans held among these 83: 74 → 72. |
| Home loans originated in 2025 (HMDA) | 49 | More than 23% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
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 13% |
| Loans held then vs now | certified banks and bank holding companies in Mississippi reporting both dates | 82 | rank 74 → 72 of 83 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 23% |
“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). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Raymond and Mississippi
- 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
- Bank of CommerceBank or thrift · Greenwood, MSAgriculture / farm loans, Auto / vehicle loans, Credit-builder loans, Home repair / improvement loans…Verified
- Bank of ForestBank or thrift · Forest, MSHome repair / improvement loans, Home mortgages, Personal / consumer loansVerified
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