Mercer Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 230.14 percentage points in Q2 2026, from 478.45% to 708.59%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Mercer Savings Bank is 107th of 156 on return on assets, 0.78% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Mercer Savings Bank sits 0.47 points lower, at 0.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.15% |
| Tier 1 risk-based capital ratio | 19.15% |
| Total risk-based capital ratio | 19.90% |
| Tier 1 leverage ratio | 13.16% |
| Equity capital to assets | 13.02% |
| Tangible equity to tangible assets | 13.02% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | -0.11% |
| Texas ratio | 0.54% |
| Allowance for credit losses to loans | 0.60% |
| Reserve coverage of non-performing loans | 708.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.78% |
| Return on equity | 6.06% |
| Net interest margin | 4.45% |
| Efficiency ratio | 78.22% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.70% |
| Core deposits to total deposits | 82.59% |
| Brokered deposits to total deposits | 15.10% |
| Deposits to assets | 83.11% |
| Securities to assets | 5.46% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.15% | 18.15% | 18.99% | 13.11% | 0.79% |
| Q4 2023 | 17.25% | 17.25% | 18.07% | 12.36% | 0.46% |
| Q1 2024 | 16.82% | 16.82% | 17.62% | 12.25% | 0.36% |
| Q2 2024 | 15.93% | 15.93% | 16.72% | 12.06% | 0.45% |
| Q3 2024 | 15.60% | 15.60% | 16.33% | 11.62% | 0.70% |
| Q4 2024 | 15.80% | 15.80% | 16.52% | 11.67% | 0.56% |
| Q1 2025 | 15.71% | 15.71% | 16.40% | 11.71% | 0.26% |
| Q2 2025 | 16.26% | 16.26% | 16.99% | 12.04% | 0.89% |
| Q3 2025 | 17.07% | 17.07% | 17.82% | 12.55% | 0.91% |
| Q4 2025 | 17.88% | 17.88% | 18.62% | 12.66% | 0.48% |
| Q1 2026 | 18.76% | 18.76% | 19.48% | 12.96% | 0.79% |
| Q2 2026 | 19.15% | 19.15% | 19.90% | 13.16% | 0.78% |
Mercer Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mercer Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Mercer Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30084) · FFIEC NIC profile (RSSD 661072)