MERCHANTS NATIONAL BANK

HILLSBORO, OH | Large | Est. Dec. 25, 1879, midnight | FDIC #6605 | RSSD #701222 | OCC
Latest Report: 2025-12-31

MERCHANTS NATIONAL BANK is aln large FDIC-insured commercial bank headquartered in HILLSBORO, OH, established in Dec. 25, 1879, midnight. As of 2025-12-31, the bank reported total assets of $1.3B and total deposits of $1.1B. Profitability stands at 1.06% ROA and 11.62% ROE, with a net interest margin of 3.75%. The bank's CET1 capital ratio is 11.78%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.48% and a Texas Ratio of 3.56%. FDIC Certificate #6605.

Assets

$1.3B

Deposits

$1.1B

Loans

$973M

Equity

$120M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 11.62%
Net Interest Margin (NIM) 3.75%
Yield on Assets 5.30%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.48%
Net Charge-Off Ratio -0.02%
Texas Ratio 3.56%
NPA Ratio 0.35%
ACL / Loans 1.16%

Capital & Liquidity

CET1 Ratio 11.78%
Tier 1 Capital 11.78%
Total Capital Ratio 12.98%
Leverage Ratio 8.43%
Loan-to-Deposit 85.98%

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