MERCHANTS BANK, NATIONAL ASSOCIATION

WINONA, MN | Large | Est. Jan. 1, 1875, midnight | FDIC #8866 | RSSD #779351 | OCC
Latest Report: 2025-12-31

MERCHANTS BANK, NATIONAL ASSOCIATION is aln large FDIC-insured commercial bank headquartered in WINONA, MN, established in Jan. 1, 1875, midnight. As of 2025-12-31, the bank reported total assets of $2.9B and total deposits of $2.5B. Profitability stands at 1.34% ROA and 11.48% ROE, with a net interest margin of 3.37%. The bank's CET1 capital ratio is 12.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.83% and a Texas Ratio of 4.97%. FDIC Certificate #8866.

Assets

$2.9B

Deposits

$2.5B

Loans

$2.1B

Equity

$336M

Profitability

Return on Assets (ROA) 1.34%
Return on Equity (ROE) 11.48%
Net Interest Margin (NIM) 3.37%
Yield on Assets 5.12%
Cost of Funds 2.25%

Asset Quality

NPL Ratio 0.83%
Net Charge-Off Ratio 0.06%
Texas Ratio 4.97%
NPA Ratio 0.62%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 12.90%
Tier 1 Capital 12.90%
Total Capital Ratio 14.02%
Leverage Ratio 11.28%
Loan-to-Deposit 81.30%

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