Merit 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: 9.26 percentage points higher than in Q1 2026, at 89.61%. Within Alabama, Merit Bank is 53rd of 93 on return on assets, 1.07% 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. Merit Bank sits 0.19 points lower, at 1.07% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.23% |
| Tier 1 risk-based capital ratio | 12.23% |
| Total risk-based capital ratio | 13.16% |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 9.29% |
| Tangible equity to tangible assets | 9.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.40% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 11.15% |
| Net interest margin | 3.55% |
| Efficiency ratio | 53.60% |
| Yield on earning assets | 6.09% |
| Cost of funds | 2.69% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.61% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 8.96% |
| Deposits to assets | 76.80% |
| Securities to assets | 23.16% |
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 | — | — | — | 11.40% | 0.43% |
| Q4 2023 | — | — | — | 10.76% | 0.96% |
| Q1 2024 | — | — | — | 10.13% | 0.18% |
| Q2 2024 | — | — | — | 9.56% | 0.40% |
| Q3 2024 | — | — | — | 8.92% | 0.40% |
| Q4 2024 | — | — | — | 8.86% | 0.33% |
| Q1 2025 | 9.93% | 9.93% | 10.76% | 8.92% | 0.47% |
| Q2 2025 | 11.71% | 11.71% | 12.63% | 8.68% | 0.89% |
| Q3 2025 | 12.00% | 12.00% | 12.77% | 10.85% | 0.44% |
| Q4 2025 | 13.01% | 13.01% | 13.98% | 10.21% | 0.81% |
| Q1 2026 | 11.49% | 11.49% | 12.28% | 10.12% | 0.97% |
| Q2 2026 | 12.23% | 12.23% | 13.16% | 9.70% | 1.07% |
Merit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merit 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 Merit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15270) · FFIEC NIC profile (RSSD 290838)