Merchants National Bank (FDIC #6605): Bank Stress & Real-Estate Credit Exposure
Merchants National Bank (FDIC Cert #6605): bank stress 69/100, elevated, STABLE over 7 days; parent MERCHANTS BCORP INC.
Merchants National Bank (#6605) lends in 10 counties across 1 state; Merchants National Bank (#6605) reaches 142 ZIP codes: Ohio 10 counties, 142 ZIPs.
Merchants National Bank (#6605) largest markets: Clark County, OH (23 branches, 23 ZIPs) (#6605), Clermont County, OH (23 branches, 23 ZIPs) (#6605), Union County, OH (21 branches, 21 ZIPs) (#6605), Brown County, OH (40 branches, 20 ZIPs) (#6605), Athens County, OH (19 branches, 19 ZIPs) (#6605), Hocking County, OH (32 branches, 16 ZIPs) (#6605).
Merchants National Bank (#6605) reports $1.27 billion in total assets; Merchants National Bank (#6605) equity $121.3 million (9.6% of Merchants National Bank (#6605) assets); Merchants National Bank (#6605) domestic deposits $1.11 billion; Merchants National Bank (#6605) net income $7.7 million; Merchants National Bank (#6605) return on assets 1.17%; Merchants National Bank (#6605) return on equity 12.64%; Merchants National Bank (#6605) net interest income $22.3 million; Merchants National Bank (#6605) call report June 30, 2026.
Merchants National Bank (#6605) noncurrent real-estate loans: none reported; Merchants National Bank (#6605) net charge-offs on real estate 0.59%; Merchants National Bank (#6605) residential charge-offs 0.73%.
Merchants National Bank (#6605) net interest margin 3.65% against an eight-quarter Merchants National Bank (#6605) average of 3.22% (Merchants National Bank (#6605) compression -0.43 points); Merchants National Bank (#6605) non-residential real estate 73.5% of equity; Merchants National Bank (#6605) rate-exposure score 40/100, Merchants National Bank (#6605) fixed-rate trap 40/100; Merchants National Bank (#6605) risk type credit driven; Merchants National Bank (#6605) rate regime rates elevated, Merchants National Bank (#6605) snapshot October 20, 2026.
Merchants National Bank (#6605) stress score moved from 70.5 on June 22, 2026 to 68.6 on October 20, 2026; Merchants National Bank (#6605) ranged 68.6 to 70.5 over 117 snapshots.
Merchants National Bank (#6605) alerts: 10 counties; top Merchants National Bank (#6605) alert scores: Logan County, OH 46 (moderate); Athens County, OH 43 (moderate); Batavia County, OH 23 (low); Hillsboro County, OH 23 (low); London County, OH 23 (low).