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

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

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Banks/FDIC #6605

Regulatory profile

MERCHANTS NATIONAL BANK

FDIC certificate #6605 · RSSD 701222

Current published filing2026-06-30History & events for prior periods

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Legal statusActive

Primary regulatorOCC

Peer cohort$1B–$10B assets

Current parentNo matched current parent

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Peer interpretation

Strengths and opportunities

$1B–$10B asset cohort · 902 institutions

in lineReturn on assets43rdfavorable percentile · n=902

in lineReturn on equity53rdfavorable percentile · n=894

in lineNet interest margin47thfavorable percentile · n=902

in lineEquity to assets33rdfavorable percentile · n=894

in lineNoncurrent loans49thfavorable percentile · n=887

in lineLiquid assets48thfavorable percentile · n=895

strengthBrokered deposits100thfavorable percentile · n=890

in lineLoans to deposits56thfavorable percentile · n=890

Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.

Period-matched peer context

Percentiles use 890 verified constituents for the same filing period.

Brokered deposits to domestic deposits0thMedian 0.016 · n=890Open metric research →

Common equity tier 1 ratio24thMedian 0.135 · n=673Open metric research →

Selected CRE loans to gross loans and leases15thMedian 0.468 · n=862Open metric research →

Selected CRE loans to total capital24thMedian 2.970 · n=659Open metric research →

Domestic secured CRE noncurrent ratio62ndMedian 0.003 · n=872Open metric research →

Nontrading derivative fair value to assets0thMedian 0.000 · n=534Open metric research →

Unadjusted YTD efficiency ratio60thMedian 0.595 · n=888Open metric research →

Bank equity to assets33rdMedian 0.104 · n=894Open metric research →