Mercer Savings Bank (FDIC #30084): Bank Stress & Real-Estate Credit Exposure

Mercer Savings Bank (FDIC Cert #30084): bank stress 64/100, elevated, STABLE over 7 days; parent MERCER BCORP INC.

Mercer Savings Bank (#30084) lends in 3 counties across 2 states; Mercer Savings Bank (#30084) reaches 47 ZIP codes: Ohio 2 counties, 39 ZIPs; Indiana 1 county, 8 ZIPs.

Mercer Savings Bank (#30084) largest markets: Darke County, OH (25 branches, 25 ZIPs) (#30084), Mercer County, OH (54 branches, 18 ZIPs) (#30084), Adams County, IN (24 branches, 8 ZIPs) (#30084).

Mercer Savings Bank (#30084) reports $176.2 million in total assets; Mercer Savings Bank (#30084) equity $22.9 million (13.0% of Mercer Savings Bank (#30084) assets); Mercer Savings Bank (#30084) domestic deposits $146.4 million; Mercer Savings Bank (#30084) net income $692,000; Mercer Savings Bank (#30084) return on assets 0.79%; Mercer Savings Bank (#30084) return on equity 6.12%; Mercer Savings Bank (#30084) net interest income $3.7 million; Mercer Savings Bank (#30084) call report June 30, 2026.

Mercer Savings Bank (#30084) noncurrent real-estate loans: none reported; Mercer Savings Bank (#30084) net charge-offs on real estate 0.09%.

Mercer Savings Bank (#30084) net interest margin 4.53% against an eight-quarter Mercer Savings Bank (#30084) average of 4.13% (Mercer Savings Bank (#30084) compression -0.40 points); Mercer Savings Bank (#30084) rate-exposure score 40/100, Mercer Savings Bank (#30084) fixed-rate trap 40/100; Mercer Savings Bank (#30084) risk type credit driven; Mercer Savings Bank (#30084) rate regime rates elevated, Mercer Savings Bank (#30084) snapshot October 19, 2026.

Mercer Savings Bank (#30084) stress score moved from 62.4 on June 22, 2026 to 64 on October 19, 2026; Mercer Savings Bank (#30084) ranged 62.4 to 64 over 116 snapshots.

Mercer Savings Bank (#30084) alerts: 3 counties; top Mercer Savings Bank (#30084) alert scores: Fort Recovery County, OH 22 (low); Geneva County, OH 22 (low); Greenville County, OH 22 (low).