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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Freeman, SD · FDIC certificate #1125
MERCHANTS STATE BANK is an FDIC-insured institution based in Freeman, SD (FDIC certificate #1125). In its Q3 2026 Call Report it reported total assets of $211M, total deposits of $169M and net loans of $153M. Its primary federal regulator is FED.
Reported facts
MERCHANTS STATE BANK (FDIC certificate #1125) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $211M |
|---|---|
| Total deposits | $169M |
| Net loans and leases | $153M |
| Return on assets | 2.14% |
| Return on equity | 13.85% |
| Net interest margin | 4.48% |
| Quarterly asset change | -3.86% |
| Quarterly deposit change | -6.49% |
Plain-language readout
MERCHANTS STATE BANK in Freeman, SD reported total assets of $211M, total deposits of $169M and net loans of $153M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 2.14%, a return on equity of 13.85%, a net interest margin of 4.48%. 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 | $211M | $169M | $153M | 2.14% | 13.85% | 4.48% |
| Q2 2026 | $220M | $181M | $147M | 1.90% | 12.28% | 4.43% |
| Q1 2026 | $218M | $176M | $147M | 1.63% | 10.71% | 4.35% |
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