Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

MERCHANTS BANK NATIONAL ASSN

FDIC #8866 · MN · period 20260630

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Total assets1,589,770-1.68% YoY

Total deposits1,325,546-1.67% YoY

Net loans and leases1,263,730-4.11% YoY

Return on assets0.89%+45.92% YoY

Return on equity7.92%+51.72% YoY

Net interest margin4.21%+4.03% YoY

Peer position

Return on assets48thin line · n=902

Return on equity38thin line · n=894

Net interest margin47thin line · n=902

Equity to assets75thstrength · n=894

Noncurrent loans49thin line · n=887

Liquid assets58thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits64thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,589,770	1,325,546	1,263,730	0.89	7.92	4.21
2016-06-30	1,651,520	1,288,819	1,329,134	0.88	7.87	4.25
2016-09-30	1,651,880	1,330,994	1,344,882	0.89	7.90	4.28
2016-12-31	1,620,732	1,352,644	1,331,830	0.98	8.63	4.30
2017-03-31	1,616,920	1,348,096	1,317,928	0.61	5.22	4.04
2017-06-30	1,673,905	1,356,567	1,365,667	0.82	7.07	4.16
2017-09-30	1,655,041	1,373,312	1,358,557	0.81	6.94	4.25
2017-12-31	1,656,476	1,401,176	1,357,413	1.37	11.60	4.27
2018-03-31	1,671,977	1,405,407	1,356,701	1.09	8.86	4.20
2018-06-30	1,691,752	1,382,761	1,377,181	1.23	10.02	4.28
2018-09-30	1,705,276	1,411,630	1,386,591	1.22	9.93	4.31
2018-12-31	1,766,499	1,437,349	1,425,160	1.27	10.39	4.31
2019-03-31	1,733,063	1,458,526	1,441,265	0.93	7.48	4.29
2019-06-30	1,795,053	1,478,560	1,490,805	1.16	9.31	4.43
2019-09-30	1,854,320	1,594,714	1,522,663	1.21	10.07	4.43
2019-12-31	1,864,126	1,611,642	1,558,665	1.24	10.57	4.45
2020-03-31	1,896,341	1,632,393	1,549,588	0.94	8.77	4.16
2020-06-30	2,415,150	2,108,650	1,890,582	0.87	8.07	3.93
2020-09-30	2,613,322	2,308,379	1,863,928	0.95	9.09	3.80
2020-12-31	2,493,270	2,193,778	1,782,730	1.00	9.67	3.87
2021-03-31	2,745,837	2,433,463	1,739,417	1.54	15.74	3.58
2021-06-30	2,707,280	2,393,547	1,651,742	1.44	14.67	3.42
2021-09-30	2,736,215	2,417,938	1,592,700	1.35	13.64	3.43
2021-12-31	2,820,664	2,520,582	1,603,187	1.19	12.09	3.32
2022-03-31	2,821,217	2,524,550	1,595,166	1.12	11.62	3.03
2022-06-30	2,646,872	2,342,693	1,664,942	1.08	11.00	3.21
2022-09-30	2,608,147	2,302,602	1,773,330	1.17	11.67	3.45
2022-12-31	2,576,574	2,259,993	1,858,274	1.22	12.00	3.63
2023-03-31	2,515,629	2,184,946	1,933,508	1.26	11.25	3.97
2023-06-30	2,466,195	2,099,046	1,999,120	1.22	10.70	3.92
2023-09-30	2,516,940	2,150,785	2,059,434	1.19	10.30	3.89
2023-12-31	2,600,240	2,176,081	2,136,819	1.12	9.79	3.81
2024-03-31	2,590,911	2,227,844	2,162,502	0.93	8.23	3.31
2024-06-30	2,633,294	2,254,580	2,184,349	0.88	7.76	3.42
2024-09-30	2,688,006	2,330,318	2,137,643	0.82	7.17	3.46
2024-12-31	2,779,602	2,425,963	2,087,307	0.78	6.87	3.48
2025-03-31	2,810,454	2,448,618	2,051,111	1.01	9.16	3.35
2025-06-30	2,767,158	2,408,536	2,065,606	1.11	9.94	3.27
2025-09-30	2,821,513	2,452,004	2,037,571	1.20	10.58	3.35
2025-12-31	2,898,711	2,522,900	2,025,196	1.23	10.82	3.40
2026-03-31	2,930,432	2,554,320	2,011,500	1.22	10.54	3.55
2026-06-30	2,881,736	2,498,369	2,036,232	1.23	10.53	3.65

Structure and branch footprint

22 current branch locations across 2 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2020-05-16	1	782351	779351
2016-01-01	1	1976791	779351
2009-06-27	1	3132667	779351
2009-06-27	1	109855	779351
2007-09-21	1	110057	779351
2007-09-21	1	81054	779351
1990-02-10	1	744050	779351

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.