| Metric | Merchants State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.3% | +4.4% | -2.1 pts |
| Deposit growth (YoY) | +4.0% | +4.0% | +0.1 pts |
| Loan growth (YoY) | +4.8% | +5.6% | -0.8 pts |
| ROA | 1.90% | 1.24% | +0.7 pts |
| ROE | 12.3% | 11.9% | +0.4 pts |
ROA ranks in the 84th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $219.6M | $180.7M | $146.6M | $35.3M | $2.1M | 1.90% | 4.43% | 0.21% |
| Q1 2026 | $217.6M | $176.4M | $146.6M | $33.7M | $895K | 1.63% | 4.35% | 0.22% |
| Q4 2025 | $221.5M | $180.7M | $148.2M | $33.2M | $3.7M | 1.74% | 4.31% | 0.22% |
| Q3 2025 | $212.5M | $169.8M | $138.6M | $32.1M | $3.1M | 1.91% | 4.31% | 0.23% |
| Q2 2025 | $214.7M | $173.7M | $139.9M | $30.4M | $2.0M | 1.88% | 4.27% | 0.14% |
| Q1 2025 | $216.9M | $173.1M | $138.4M | $29.3M | $974K | 1.83% | 4.24% | 0.31% |
| Q4 2024 | $209.4M | $171.7M | $141.8M | $28.4M | $3.3M | 1.55% | 4.00% | 0.14% |
| Q3 2024 | $212.2M | $173.5M | $138.8M | $29.2M | $2.8M | 1.70% | 3.98% | 0.14% |
Loan mix (Q2 2026): real estate $98.2M · commercial $14.2M · consumer $2.5M · securities $51.0M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Merchants State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.90% | 1.24% | 84th | |
Return on equity Annualized net income ÷ equity or net worth | 12.3% | 11.9% | 52th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.43% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.6% | 62.9% | 14th |
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 State 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 State 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 State 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 State 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.