Merchants & Marine Bancorp, Inc. Stock

Merchants & Marine Bancorp, Inc. is a holding company of Merchants & Marine Bank (the Bank). Its principal activity includes ownership and management of the Bank. It generates commercial, mortgage and consumer loans and receives deposits from customers located in Jackson, George, Lamar and Forrest Counties in Mississippi and Baldwin and Mobile Counties in Alabama. The Bank operates under a state bank charter and provides full banking services. Canvas Mortgage, a division of the Bank, originates mortgage loans for sale into the secondary market. CannaFirst Financial, a division of the Bank, provides banking services and regulatory guidance to cannabis business owners and affiliates. Voyager Lending, also a division of the Bank, originates government guaranteed loans to small businesses. The Bank is subject to regulation by federal and state banking regulators. It provides a range of community banking services through its Merchants & Marine Bank and Mississippi River bank divisions.