Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

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

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OptimaYield board tearsheet · reported facts

MERCHANTS NATIONAL BANK

FDIC #6605 · OH · period 20260630

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Total assets1,053,811-10.35% YoY

Total deposits927,464-11.71% YoY

Net loans and leases845,054-2.52% YoY

Return on assets1.31%+15.33% YoY

Return on equity13.32%+6.56% YoY

Net interest margin3.96%+14.40% YoY

Peer position

Return on assets43rdin line · n=902

Return on equity53rdin line · n=894

Net interest margin47thin line · n=902

Equity to assets33rdin line · n=894

Noncurrent loans49thin line · n=887

Liquid assets48thin line · n=895

Brokered deposits100thstrength · n=890

Loans to deposits56thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2020-06-30	1,053,811	927,464	845,054	1.31	13.32	3.96
2020-09-30	1,064,232	936,096	853,998	1.26	12.99	3.86
2020-12-31	1,082,752	960,920	847,773	1.22	12.69	3.92
2021-03-31	1,162,324	1,031,493	859,455	1.08	11.79	3.41
2021-06-30	1,175,507	1,050,482	866,939	1.13	12.50	3.46
2021-09-30	1,218,524	1,088,876	867,102	1.18	13.11	3.58
2021-12-31	1,207,782	1,079,179	888,074	1.17	13.00	3.63
2022-03-31	1,227,460	1,101,263	884,406	1.03	11.90	3.28
2022-06-30	1,249,398	1,129,120	902,794	1.12	13.20	3.33
2022-09-30	1,240,176	1,110,229	933,696	1.18	14.16	3.44
2022-12-31	1,265,974	1,111,253	954,105	1.16	14.03	3.45
2023-03-31	1,297,502	1,129,943	948,639	0.79	9.91	2.99
2023-06-30	1,331,544	1,135,948	984,099	0.82	10.48	2.94
2023-09-30	1,327,136	1,103,280	993,474	0.81	10.33	2.90
2023-12-31	1,336,528	1,090,239	1,001,527	0.78	9.97	2.88
2024-03-31	1,339,597	1,118,277	980,664	0.67	8.39	2.71
2024-06-30	1,320,441	1,097,874	980,270	0.73	9.11	2.77
2024-09-30	1,347,696	1,107,460	990,471	0.74	9.16	2.77
2024-12-31	1,315,856	1,095,157	998,647	0.80	9.78	2.89
2025-03-31	1,381,954	1,190,273	982,926	0.91	10.81	3.03
2025-06-30	1,331,882	1,140,485	972,572	1.05	12.20	3.26
2025-09-30	1,334,025	1,144,594	967,469	1.08	12.34	3.31
2025-12-31	1,320,880	1,131,307	961,416	1.08	12.20	3.40
2026-03-31	1,338,064	1,170,914	936,317	1.07	11.70	3.47
2026-06-30	1,266,936	1,107,452	940,824	1.17	12.64	3.65

Structure and branch footprint

17 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-05-01	1	869524	701222
2009-08-22	1	891721	701222

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.