Merchants Bank National Assn (FDIC #8866): Bank Stress & Real-Estate Credit Exposure
Merchants Bank National Assn (FDIC Cert #8866): bank stress 59/100, moderate, STABLE over 7 days; parent MERCHANTS FINANCIAL GROUP INC.
Merchants Bank National Assn (#8866) lends in 10 counties across 2 states; Merchants Bank National Assn (#8866) reaches 139 ZIP codes: Minnesota 8 counties, 109 ZIPs; Wisconsin 2 counties, 30 ZIPs.
Merchants Bank National Assn (#8866) largest markets: Dakota County, MN (88 branches, 22 ZIPs) (#8866), Olmsted County, MN (42 branches, 21 ZIPs) (#8866), Washington County, MN (19 branches, 19 ZIPs) (#8866), Goodhue County, MN (34 branches, 17 ZIPs) (#8866), Rice County, MN (32 branches, 16 ZIPs) (#8866), Fillmore County, MN (32 branches, 16 ZIPs) (#8866).
Merchants Bank National Assn (#8866) reports $2.88 billion in total assets; Merchants Bank National Assn (#8866) equity $344.2 million (11.9% of Merchants Bank National Assn (#8866) assets); Merchants Bank National Assn (#8866) domestic deposits $2.50 billion; Merchants Bank National Assn (#8866) net income $17.9 million; Merchants Bank National Assn (#8866) return on assets 1.23%; Merchants Bank National Assn (#8866) return on equity 10.53%; Merchants Bank National Assn (#8866) net interest income $48.7 million; Merchants Bank National Assn (#8866) call report June 30, 2026.
Merchants Bank National Assn (#8866) noncurrent real-estate loans: none reported; Merchants Bank National Assn (#8866) net charge-offs on real estate 0.62%; Merchants Bank National Assn (#8866) residential charge-offs 0.85%.
Merchants Bank National Assn (#8866) net interest margin 3.65% against an eight-quarter Merchants Bank National Assn (#8866) average of 3.44% (Merchants Bank National Assn (#8866) compression -0.21 points); Merchants Bank National Assn (#8866) real-estate loans 0.4% of equity; Merchants Bank National Assn (#8866) non-residential real estate 84.6% of equity; Merchants Bank National Assn (#8866) rate-exposure score 40/100, Merchants Bank National Assn (#8866) fixed-rate trap 40/100; Merchants Bank National Assn (#8866) risk type credit driven; Merchants Bank National Assn (#8866) rate regime rates elevated, Merchants Bank National Assn (#8866) snapshot October 20, 2026.
Merchants Bank National Assn (#8866) stress score moved from 58.9 on June 22, 2026 to 59 on October 20, 2026; Merchants Bank National Assn (#8866) ranged 58.9 to 59 over 117 snapshots.
Merchants Bank National Assn (#8866) alerts: 10 counties; top Merchants Bank National Assn (#8866) alert scores: Winona County, MN 43 (moderate); Cottage Grove County, MN 22 (low); Eau Claire County, MN 22 (low); Northfield County, MN 22 (low); Onalaska County, MN 22 (low).