Merchants National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 5.05 percentage points in Q2 2026, from 80.93% to 85.97%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Merchants National Bank is 61st of 156 on loan-to-deposit ratio, 85.97% as of Q2 2026, above the middle of the field. At 85.97%, Merchants National Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $952.1M |
| Net loans and leases | $940.8M |
| Loans held for sale | $0 |
| Loans to total assets | 75.15% |
| Loan-to-deposit ratio | 85.97% |
| Net loans to equity capital | 7.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 23.59% |
| Multifamily (5+ residential) | 2.62% |
| Commercial and industrial | 6.16% |
| Consumer | 2.39% |
| Credit cards | 0.23% |
| Farm | 17.35% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.80% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 149.42% |
| Construction concentration (Tier 1 capital + allowance) | 39.12% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.65% |
| Interest income on loans | $13.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.00B | $1.10B | 22.80% | 7.26% | 3.44% |
| Q4 2023 | $1.01B | $1.09B | 22.74% | 7.38% | 3.34% |
| Q1 2024 | $991.9M | $1.12B | 22.82% | 7.41% | 3.32% |
| Q2 2024 | $991.5M | $1.10B | 23.26% | 6.92% | 3.23% |
| Q3 2024 | $1.00B | $1.11B | 23.15% | 6.89% | 3.11% |
| Q4 2024 | $1.01B | $1.10B | 23.71% | 6.39% | 2.95% |
| Q1 2025 | $994.1M | $1.19B | 23.94% | 6.19% | 2.79% |
| Q2 2025 | $983.8M | $1.14B | 23.72% | 6.08% | 2.66% |
| Q3 2025 | $978.8M | $1.14B | 23.51% | 6.21% | 2.60% |
| Q4 2025 | $972.7M | $1.13B | 23.51% | 5.73% | 2.57% |
| Q1 2026 | $947.6M | $1.17B | 24.06% | 5.49% | 2.47% |
| Q2 2026 | $952.1M | $1.11B | 23.59% | 6.16% | 2.39% |
Merchants National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants National Bank, freeSource: Call Report Schedule RC-C, 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6605) · FFIEC NIC profile (RSSD 701222)