Merchants Bank Of Indiana (FDIC #8056): Bank Stress & Real-Estate Credit Exposure

Merchants Bank Of Indiana (FDIC Cert #8056): bank stress 57/100, moderate, STABLE over 7 days; parent MERCHANTS BCORP.

Merchants Bank Of Indiana (#8056) lends in 5 counties across 1 state; Merchants Bank Of Indiana (#8056) reaches 104 ZIP codes: Indiana 5 counties, 104 ZIPs.

Merchants Bank Of Indiana (#8056) largest markets: Marion County, IN (41 branches, 41 ZIPs) (#8056), Hamilton County, IN (46 branches, 23 ZIPs) (#8056), Monroe County, IN (19 branches, 19 ZIPs) (#8056), Wayne County, IN (38 branches, 19 ZIPs) (#8056), Randolph County, IN (28 branches, 14 ZIPs) (#8056).

Merchants Bank Of Indiana (#8056) reports $21.17 billion in total assets; Merchants Bank Of Indiana (#8056) equity $2.32 billion (11.0% of Merchants Bank Of Indiana (#8056) assets); Merchants Bank Of Indiana (#8056) domestic deposits $14.34 billion; Merchants Bank Of Indiana (#8056) net income $151.0 million; Merchants Bank Of Indiana (#8056) return on assets 1.49%; Merchants Bank Of Indiana (#8056) return on equity 13.29%; Merchants Bank Of Indiana (#8056) net interest income $270.0 million; Merchants Bank Of Indiana (#8056) call report June 30, 2026.

Merchants Bank Of Indiana (#8056) noncurrent real-estate loans 0.77% of its book; Merchants Bank Of Indiana (#8056) commercial real estate 0.83%; Merchants Bank Of Indiana (#8056) multifamily 1.17%; Merchants Bank Of Indiana (#8056) residential 1.42%; Merchants Bank Of Indiana (#8056) net charge-offs on real estate 2.59%; Merchants Bank Of Indiana (#8056) multifamily charge-offs 4.61%; Merchants Bank Of Indiana (#8056) residential charge-offs 3.27%.

Merchants Bank Of Indiana (#8056) net interest margin 2.86% against an eight-quarter Merchants Bank Of Indiana (#8056) average of 2.92% (Merchants Bank Of Indiana (#8056) compression 0.06 points); Merchants Bank Of Indiana (#8056) real-estate loans 77.1% of equity; Merchants Bank Of Indiana (#8056) non-residential real estate 326.7% of equity; Merchants Bank Of Indiana (#8056) rate-exposure score 40/100, Merchants Bank Of Indiana (#8056) fixed-rate trap 40/100; Merchants Bank Of Indiana (#8056) risk type credit driven; Merchants Bank Of Indiana (#8056) rate regime rates elevated, Merchants Bank Of Indiana (#8056) snapshot October 19, 2026.

Merchants Bank Of Indiana (#8056) stress score moved from 56.9 on June 22, 2026 to 57.4 on October 19, 2026; Merchants Bank Of Indiana (#8056) ranged 56.9 to 57.4 over 116 snapshots.

Merchants Bank Of Indiana (#8056) alerts: 5 counties; top Merchants Bank Of Indiana (#8056) alert scores: Bloomington County, IN 21 (low); Carmel County, IN 21 (low); Indianapolis County, IN 21 (low); Lynn County, IN 21 (low); Richmond County, IN 21 (low).