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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
Deterministic ratios for MERCHANTS BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $217M |
|---|---|
| Net loans and leases | $200M |
Plain-language readout
MERCHANTS BANK in Rugby, ND funds its loans with $217M of deposits and holds $200M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for MERCHANTS BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 92.14% in Q3 2026, against 77.74% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $200M | $217M | 92.14% |
| Q2 2026 | $188M | $223M | 84.32% |
| Q1 2026 | $176M | $227M | 77.74% |