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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Rugby, ND · FDIC certificate #8943
MERCHANTS BANK is an FDIC-insured institution based in Rugby, ND (FDIC certificate #8943). In its Q3 2026 Call Report it reported total assets of $256M, total deposits of $217M and net loans of $200M. Its primary federal regulator is FDIC.
Reported facts
MERCHANTS BANK (FDIC certificate #8943) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $256M |
|---|---|
| Total deposits | $217M |
| Net loans and leases | $200M |
| Return on assets | 1.55% |
| Return on equity | 15.33% |
| Net interest margin | 4.26% |
| Quarterly asset change | 0.75% |
| Quarterly deposit change | -2.85% |
Plain-language readout
MERCHANTS BANK in Rugby, ND reported total assets of $256M, total deposits of $217M and net loans of $200M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.55%, a return on equity of 15.33%, a net interest margin of 4.26%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $256M | $217M | $200M | 1.55% | 15.33% | 4.26% |
| Q2 2026 | $254M | $223M | $188M | 1.50% | 15.03% | 4.12% |
| Q1 2026 | $258M | $227M | $176M | 1.36% | 13.98% | 3.94% |
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