Banks MERCHANTS NATIONAL BANK

MERCHANTS NATIONAL BANK

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

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%.

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 Margin3.75%
Yield on Assets5.30%
Cost of Funds1.59%

Asset Quality

NPL Ratio0.48%
Net Charge-Off Ratio-0.02%
Texas Ratio3.56%
NPA Ratio0.35%
ACL / Loans1.16%

Capital & Liquidity

CET1 Ratio11.78%
Tier 1 Capital11.78%
Total Capital Ratio12.98%
Leverage Ratio8.43%
Loan-to-Deposit85.98%

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