Mercer Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Mercer Savings Bank of Celina, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.78% | 1.34% | -0.56% | 22nd bottom |
| ROAE | 6.06% | 13.32% | -7.26% | 17th bottom |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 78.22% | 61.14% | +17.08% | 15th bottom |
| PPNR / Avg Assets | 0.94% | 1.68% | -0.74% | 19th bottom |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds | 1.48% | 1.88% | -0.40% | 71st above |
| Net Interest Spread | 4.11% | 3.32% | +0.79% | 87th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | -0.11% | 0.16% | -0.27% | 97th top |
| ACL / Total Loans | 0.60% | 1.28% | -0.68% | 4th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 708.59% | 1538.83% | -830.24% | 77th top |
| Texas Ratio | 0.54% | 7.33% | -6.79% | 79th top |
| Provision / NCO | 71.43% | 1395.83% | -1324.40% | 33rd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.15% | 19.50% | -0.35% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.15% | 19.54% | -0.39% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.90% | 20.62% | -0.72% | 73rd above |
| Leverage Ratio | 13.16% | 12.14% | +1.02% | 76th top |
| Equity / Assets | 13.02% | 11.37% | +1.65% | 79th top |
| TCE / Tangible Assets | 13.02% | 11.09% | +1.93% | 81st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.70% | 80.63% | +23.07% | 7th bottom |
| Core Deposit Ratio | 82.59% | 86.86% | -4.27% | 22nd bottom |
| Wholesale Funding Ratio | 2.84% | 5.03% | -2.19% | 57th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.13% | 6.85% | -6.72% | 20th bottom |
| Loan Growth (Y/Y) | -0.93% | 7.90% | -8.83% | 19th bottom |
| Deposit Growth (Y/Y) | 2.81% | 6.29% | -3.48% | 42nd below |
See Mercer Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Mercer Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Mercer Savings Bank profile, how to read a UBPR, or how this data updates.