Bank Comparison
National Exchange Bank and Trust vs Merchants Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 6
winning metrics across 21 comparable rows
Capital adequacy
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| CET1 Ratio | — | 13.29% |
| Tier 1 Capital Ratio | — | 13.29% |
| Total Capital Ratio | — | 14.45% |
| Tier 1 Leverage Ratio | 19.53% | 11.29% |
| Equity / Assets | 18.94% | 11.62% |
Profitability
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | 1.65% | 1.23% |
| Return on Equity (ROE) | 8.84% | 10.54% |
| Net Interest Margin (NIM) | 3.76% | 3.55% |
| Yield on Earning Assets | 5.13% | 5.24% |
| Cost of Funds | 1.69% | 1.79% |
Asset quality
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| Texas Ratio | 2.81% | 7.27% |
| Non-Performing Loan Ratio | 1.02% | 1.03% |
| Non-Performing Asset Ratio | 0.58% | 0.75% |
| Net Charge-Off Ratio | -0.03% | 0.07% |
| ACL / Loans | 3.10% | 1.30% |
Balance sheet
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| Total Assets | $2,933M | $2,930M |
| Total Deposits | $2,317M | $2,554M |
| Total Loans | $1,661M | $2,038M |
| Total Equity | $555,430K | $340,547K |
| Net Income (quarter) | $12,266K | $8,911K |
Liquidity & funding
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 71.72% | 79.79% |
| Core Deposit Ratio | 97.42% | 94.68% |
| Uninsured Deposit Ratio | 42.05% | 27.15% |
Identity
| Metric | National Exchange Bank and Trust | Merchants Bank, N.A. |
|---|---|---|
| Headquarters City | FOND DU LAC | WINONA |
| Headquarters State | WI | MN |
| Asset Tier | Large | Large |
| Charter Class | 13879 | 14488 |
| Regulator | OCC | OCC |
| Domestic Branches | 34 | 22 |
| Employees (FTE) | 364 | 376 |
| Established | Dec. 20, 1933, midnight | Jan. 1, 1875, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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