Merrick 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 Reserve coverage of non-performing loans: 14.69 percentage points higher than in Q1 2026, at 1225.64%. Merrick Bank ranks 23rd of 44 Utah banks on return on assets, in the lower half at 1.78% (Q2 2026). The median for banks in the $1B-10B asset tier is 1.28% on return on assets. Merrick Bank sits 0.51 points higher, at 1.78% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.80% |
| Tier 1 risk-based capital ratio | 16.80% |
| Total risk-based capital ratio | 18.21% |
| Tier 1 leverage ratio | 16.59% |
| Equity capital to assets | 17.63% |
| Tangible equity to tangible assets | 16.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.25% |
| Non-performing assets ratio | 1.19% |
| Net charge-off ratio | 11.37% |
| Texas ratio | 13.14% |
| Allowance for credit losses to loans | 15.37% |
| Reserve coverage of non-performing loans | 1225.64% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.78% |
| Return on equity | 9.95% |
| Net interest margin | 16.83% |
| Efficiency ratio | 33.24% |
| Yield on earning assets | 19.60% |
| Cost of funds | 3.45% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.15% |
| Core deposits to total deposits | 19.00% |
| Brokered deposits to total deposits | 79.00% |
| Deposits to assets | 81.11% |
| Securities to assets | 3.13% |
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 | 25.65% | 25.65% | 27.06% | 21.67% | 4.53% |
| Q4 2023 | 23.78% | 23.78% | 25.18% | 20.97% | 0.80% |
| Q1 2024 | 23.71% | 23.71% | 25.12% | 20.93% | 2.54% |
| Q2 2024 | 22.18% | 22.18% | 23.57% | 22.23% | 1.98% |
| Q3 2024 | 24.28% | 24.28% | 25.69% | 22.76% | 3.75% |
| Q4 2024 | 22.00% | 22.00% | 23.41% | 20.11% | -0.90% |
| Q1 2025 | 30.77% | 30.77% | 32.18% | 24.33% | 2.41% |
| Q2 2025 | 20.17% | 20.17% | 21.56% | 19.66% | -0.92% |
| Q3 2025 | 20.10% | 20.10% | 21.50% | 19.44% | 1.54% |
| Q4 2025 | 20.09% | 20.09% | 21.50% | 19.34% | 1.60% |
| Q1 2026 | 17.81% | 17.81% | 19.22% | 17.11% | 3.24% |
| Q2 2026 | 16.80% | 16.80% | 18.21% | 16.59% | 1.78% |
Merrick Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Merrick 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 Merrick Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34519) · FFIEC NIC profile (RSSD 2615190)