Merchants National 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.05 percentage points higher than in Q1 2026, at 85.97%. Within Ohio, Merchants National Bank is 55th of 156 on return on assets, 1.29% as of Q2 2026, above the middle of the field. At 1.29%, Merchants National Bank's return on assets is close to the 1.28% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.00% |
| Tier 1 risk-based capital ratio | 12.00% |
| Total risk-based capital ratio | 13.20% |
| Tier 1 leverage ratio | 8.91% |
| Equity capital to assets | 9.57% |
| Tangible equity to tangible assets | 8.67% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.39% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 4.18% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 229.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 13.50% |
| Net interest margin | 3.79% |
| Efficiency ratio | 60.11% |
| Yield on earning assets | 4.99% |
| Cost of funds | 1.38% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.97% |
| Core deposits to total deposits | 92.53% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.41% |
| Securities to assets | 12.45% |
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 | 10.71% | 10.71% | 11.85% | 8.08% | 0.79% |
| Q4 2023 | 10.48% | 10.48% | 11.60% | 8.16% | 0.73% |
| Q1 2024 | 11.08% | 11.08% | 12.25% | 8.03% | 0.67% |
| Q2 2024 | 10.91% | 10.91% | 12.07% | 8.03% | 0.79% |
| Q3 2024 | 11.06% | 11.06% | 12.21% | 8.06% | 0.77% |
| Q4 2024 | 11.06% | 11.06% | 12.20% | 8.15% | 0.97% |
| Q1 2025 | 11.58% | 11.58% | 12.76% | 8.28% | 0.92% |
| Q2 2025 | 11.65% | 11.65% | 12.83% | 8.37% | 1.18% |
| Q3 2025 | 12.11% | 12.11% | 13.30% | 8.54% | 1.12% |
| Q4 2025 | 11.78% | 11.78% | 12.98% | 8.43% | 1.05% |
| Q1 2026 | 12.21% | 12.21% | 13.42% | 8.68% | 1.07% |
| Q2 2026 | 12.00% | 12.00% | 13.20% | 8.91% | 1.29% |
Merchants National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merchants National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6605) · FFIEC NIC profile (RSSD 701222)