Merchants Bank (FDIC #8943): Bank Stress & Real-Estate Credit Exposure

Merchants Bank (FDIC Cert #8943): bank stress 59/100, moderate, STABLE over 7 days; parent MERCHANTS HOLDING CO.

Merchants Bank (#8943) lends in 4 counties across 2 states; Merchants Bank (#8943) reaches 66 ZIP codes: North Dakota 3 counties, 57 ZIPs; Montana 1 county, 9 ZIPs.

Merchants Bank (#8943) largest markets: Cass County, ND (30 branches, 30 ZIPs) (#8943), Mchenry County, ND (57 branches, 19 ZIPs) (#8943), Pierce County, ND (12 branches, 12 ZIPs) (#8943), Richland County, MT (9 branches, 9 ZIPs) (#8943).

Merchants Bank (#8943) reports $254.3 million in total assets; Merchants Bank (#8943) equity $26.5 million (10.4% of Merchants Bank (#8943) assets); Merchants Bank (#8943) domestic deposits $223.4 million; Merchants Bank (#8943) net income $1.9 million; Merchants Bank (#8943) return on assets 1.50%; Merchants Bank (#8943) return on equity 15.03%; Merchants Bank (#8943) net interest income $5.2 million; Merchants Bank (#8943) call report June 30, 2026.

Merchants Bank (#8943) noncurrent real-estate loans: none reported; Merchants Bank (#8943) net charge-offs on real estate 0.39%.

Merchants Bank (#8943) net interest margin 4.12% against an eight-quarter Merchants Bank (#8943) average of 4.03% (Merchants Bank (#8943) compression -0.10 points); Merchants Bank (#8943) rate-exposure score 40/100, Merchants Bank (#8943) fixed-rate trap 40/100; Merchants Bank (#8943) risk type credit driven; Merchants Bank (#8943) rate regime rates elevated, Merchants Bank (#8943) snapshot October 19, 2026.

Merchants Bank (#8943) stress score moved from 61.8 on June 22, 2026 to 59.1 on October 19, 2026; Merchants Bank (#8943) ranged 59.1 to 61.8 over 116 snapshots.

Merchants Bank (#8943) alerts: 4 counties; top Merchants Bank (#8943) alert scores: Fairview County, ND 21 (low); Mapleton County, ND 21 (low); Rugby County, ND 21 (low); Upham County, ND 21 (low).