Merchants Commercial 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.
Loan-to-deposit ratio climbed 5.41 percentage points in Q2 2026, from 54.77% to 60.18%. It was the largest change from Q1 2026 among the key lines here. Merchants Commercial Bank reported 1.82% on return on assets for Q2 2026, 0.57 points above the 1.26% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.79% |
| Equity capital to assets | 6.31% |
| Tangible equity to tangible assets | 6.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.76% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 12.16% |
| Allowance for credit losses to loans | 0.99% |
| Reserve coverage of non-performing loans | 56.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.82% |
| Return on equity | 32.88% |
| Net interest margin | 3.54% |
| Efficiency ratio | 48.13% |
| Yield on earning assets | 5.28% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.18% |
| Core deposits to total deposits | 73.37% |
| Brokered deposits to total deposits | 23.71% |
| Deposits to assets | 77.81% |
| Securities to assets | 45.91% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.70% | 2.33% | 3.75% | 0.33% | -0.02% |
| Q4 2023 | 10.18% | 2.33% | 3.70% | 0.00% | 0.00% |
| Q1 2024 | 9.71% | 2.38% | 3.80% | 0.90% | -0.17% |
| Q2 2024 | 10.36% | 2.24% | 3.85% | 1.01% | 0.06% |
| Q3 2024 | 10.65% | 2.08% | 3.64% | 1.90% | 0.00% |
| Q4 2024 | 10.88% | 1.87% | 3.49% | 2.11% | 0.00% |
| Q1 2025 | 11.02% | 1.76% | 3.33% | 2.37% | 0.06% |
| Q2 2025 | 10.12% | 1.76% | 3.35% | 2.16% | 0.00% |
| Q3 2025 | 10.51% | 1.79% | 3.38% | 2.58% | 0.00% |
| Q4 2025 | 10.71% | 1.55% | 3.37% | 2.50% | 0.02% |
| Q1 2026 | 10.75% | 1.84% | 3.47% | 1.84% | 0.00% |
| Q2 2026 | 10.79% | 1.82% | 3.54% | 1.76% | 0.00% |
Merchants Commercial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants Commercial 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 Merchants Commercial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 58184) · FFIEC NIC profile (RSSD 3487433)