MERCHANTS NATIONAL BANK is an 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%. CET1 capital ratio: 11.78%, well above regulatory minimums. NPL ratio: 0.48% · Texas Ratio: 3.56%.
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