Merchants National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants National Bank of Hillsboro, OH against its peer group of 931 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 Behind the peer average, ahead of the median peer. | 1.29% | 1.44% | -0.15% | 51st above |
| ROAE | 13.50% | 12.50% | +1.00% | 59th above |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.79% | 3.84% | -0.05% | 56th above |
| Efficiency Ratio | 60.11% | 58.87% | +1.24% | 44th below |
| PPNR / Avg Assets | 1.61% | 1.78% | -0.17% | 42nd below |
| Yield on Earning Assets | 4.99% | 5.71% | -0.72% | 19th bottom |
| Cost of Funds | 1.38% | 2.03% | -0.65% | 85th top |
| Net Interest Spread | 3.41% | 3.18% | +0.23% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.52% | 0.96% | -0.44% | 57th above |
| NPA / Total Assets | 0.39% | 0.75% | -0.36% | 59th above |
| NCO / Avg Loans | -0.00% | 0.31% | -0.31% | 86th top |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.25% | -0.06% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 229.94% | 699.36% | -469.42% | 60th above |
| Texas Ratio | 4.18% | 7.16% | -2.98% | 55th above |
| Provision / NCO | 0.00% | 815.61% | -815.61% | 10th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.00% | 17.41% | -5.41% | 25th below |
| Tier 1 Ratio | 12.00% | 17.45% | -5.45% | 24th bottom |
| Total Capital Ratio | 13.20% | 18.51% | -5.31% | 26th below |
| Leverage Ratio | 8.91% | 11.60% | -2.69% | 10th bottom |
| Equity / Assets | 9.57% | 11.33% | -1.76% | 33rd below |
| TCE / Tangible Assets | 8.67% | 10.65% | -1.98% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.97% | 86.35% | -0.38% | 56th above |
| Core Deposit Ratio | 92.53% | 85.55% | +6.98% | 72nd above |
| Uninsured Deposit Ratio | 28.61% | 32.71% | -4.10% | 58th above |
| Wholesale Funding Ratio | 1.48% | 5.46% | -3.98% | 75th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -4.88% | 10.47% | -15.35% | 4th bottom |
| Loan Growth (Y/Y) | -3.22% | 8.00% | -11.22% | 8th bottom |
| Deposit Growth (Y/Y) | -2.90% | 7.99% | -10.89% | 8th bottom |
See Merchants National Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants National 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 Merchants National Bank profile, how to read a UBPR, or how this data updates.