MERCER SAVINGS BANK

CELINA, OH | Small | Est. Jan. 1, 1888, midnight | FDIC #30084 | RSSD #661072 | FDIC
Latest Report: 2025-12-31

MERCER SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in CELINA, OH, established in Jan. 1, 1888, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $149M. Profitability stands at 0.49% ROA and 3.88% ROE, with a net interest margin of 4.39%. The bank's CET1 capital ratio is 17.88%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 2.62%. FDIC Certificate #30084.

Assets

$174M

Deposits

$149M

Loans

$151M

Equity

$22M

Profitability

Return on Assets (ROA) 0.49%
Return on Equity (ROE) 3.88%
Net Interest Margin (NIM) 4.39%
Yield on Assets 5.90%
Cost of Funds 1.61%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.08%
Texas Ratio 2.62%
NPA Ratio 0.35%
ACL / Loans 0.61%

Capital & Liquidity

CET1 Ratio 17.88%
Tier 1 Capital 17.88%
Total Capital Ratio 18.62%
Leverage Ratio 12.66%
Loan-to-Deposit 100.79%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required