| Metric | Mercantile Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +5.5% | -3.3 pts |
| Deposit growth (YoY) | +4.2% | +5.1% | -0.9 pts |
| Loan growth (YoY) | +0.7% | +5.9% | -5.2 pts |
| ROA | 1.61% | 1.26% | +0.3 pts |
| ROE | 13.9% | 12.2% | +1.7 pts |
ROA ranks in the 74th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $6.24B | $4.93B | $4.70B | $731.4M | $50.6M | 1.61% | 3.57% | 0.07% |
| Q1 2026 | $6.36B | $5.04B | $4.59B | $725.8M | $23.8M | 1.51% | 3.51% | 0.11% |
| Q4 2025 | $6.24B | $4.90B | $4.58B | $725.8M | $98.7M | 1.61% | 3.62% | 0.11% |
| Q3 2025 | $6.23B | $4.84B | $4.57B | $735.9M | $74.1M | 1.62% | 3.62% | 0.16% |
| Q2 2025 | $6.11B | $4.73B | $4.67B | $716.4M | $47.5M | 1.57% | 3.58% | 0.16% |
| Q1 2025 | $6.07B | $4.70B | $4.60B | $696.7M | $22.3M | 1.48% | 3.56% | 0.09% |
| Q4 2024 | $5.99B | $4.72B | $4.56B | $686.1M | $89.6M | 1.59% | 3.77% | 0.10% |
| Q3 2024 | $5.86B | $4.47B | $4.53B | $685.7M | $68.2M | 1.64% | 3.82% | 0.17% |
Loan mix (Q2 2026): real estate $3.31B · commercial $1.17B · consumer $10.9M · securities $946.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.61% | 1.26% | 74th | |
Return on equity Annualized net income ÷ equity or net worth | 13.9% | 12.2% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.57% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 54.9% | 59.0% | 37th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Mercantile Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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