| Metric | Merchants Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.5% | +4.4% | -0.9 pts |
| Deposit growth (YoY) | +2.7% | +4.0% | -1.2 pts |
| Loan growth (YoY) | -0.6% | +5.6% | -6.2 pts |
| ROA | 1.50% | 1.24% | +0.3 pts |
| ROE | 15.0% | 11.9% | +3.2 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $254.3M | $223.4M | $188.3M | $26.5M | $1.9M | 1.50% | 4.12% | 0.93% |
| Q1 2026 | $257.6M | $226.7M | $176.3M | $25.9M | $897K | 1.36% | 3.94% | 0.84% |
| Q4 2025 | $269.5M | $238.7M | $191.9M | $25.5M | $3.5M | 1.39% | 4.21% | 0.81% |
| Q3 2025 | $248.8M | $212.5M | $195.2M | $24.9M | $2.8M | 1.50% | 4.21% | 0.88% |
| Q2 2025 | $245.7M | $217.5M | $189.5M | $24.0M | $1.8M | 1.40% | 4.07% | 1.47% |
| Q1 2025 | $254.6M | $227.0M | $170.7M | $23.0M | $673K | 1.06% | 3.82% | 0.84% |
| Q4 2024 | $252.7M | $225.5M | $177.4M | $22.3M | $2.9M | 1.20% | 3.98% | 0.81% |
| Q3 2024 | $247.4M | $211.9M | $179.4M | $22.0M | $2.1M | 1.18% | 3.86% | 1.42% |
Loan mix (Q2 2026): real estate $75.4M · commercial $17.7M · consumer $3.2M · securities $46.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.50% | 1.24% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 15.0% | 11.9% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.12% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 47.1% | 62.9% | 11th |
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 | Merchants 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 | Merchants 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 | Merchants 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 | Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.