The Merchants National Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.3B | $1.2B | $936M | $123M | $4M | 1.07% | 11.70% | 3.47% | 0.56% |
| Q4 2025 | $1.3B | $1.1B | $961M | $120M | $4M | 1.08% | 12.20% | 3.40% | 0.48% |
| Q3 2025 | $1.3B | $1.1B | $967M | $123M | $4M | 1.08% | 12.34% | 3.31% | 0.50% |
| Q2 2025 | $1.3B | $1.1B | $973M | $118M | $4M | 1.05% | 12.20% | 3.26% | 0.48% |
| Q1 2025 | $1.4B | $1.2B | $983M | $116M | $3M | 0.91% | 10.81% | 3.03% | 0.49% |
| Q4 2024 | $1.3B | $1.1B | $999M | $112M | $3M | 0.80% | 9.78% | 2.89% | 0.37% |
| Q3 2024 | $1.3B | $1.1B | $990M | $113M | $3M | 0.74% | 9.16% | 2.77% | 0.38% |
| Q2 2024 | $1.3B | $1.1B | $980M | $108M | $3M | 0.73% | 9.11% | 2.77% | 0.36% |
| Q1 2024 | $1.3B | $1.1B | $981M | $107M | $2M | 0.67% | 8.39% | 2.71% | 0.36% |
| Q4 2023 | $1.3B | $1.1B | $1.0B | $106M | $2M | 0.78% | 9.97% | 2.88% | 0.39% |
| Q3 2023 | $1.3B | $1.1B | $993M | $103M | $3M | 0.81% | 10.33% | 2.90% | 0.36% |
| Q2 2023 | $1.3B | $1.1B | $984M | $102M | $3M | 0.82% | 10.48% | 2.94% | 0.29% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.