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The Merchants National Bank

IDRSSD: 701222
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 1 alert active.

Summary

RSSD 701222 held $1.3B in total assets as of 2026-03-31 (+1.3% quarter-over-quarter). Total loans stood at $936.3M (-2.6% QoQ) and total deposits at $1.2B (+3.5% QoQ).

Overall position is adequate — the composite Health Score is 50/100 (Adequate). Tier 1 / RWA stands at 12.21%, in the below median of peers. Asset quality (NPL ratio) sits in the below median of peers.

1 Quarterly Anomaly Alert fired this quarter. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
50/100
Adequate
Active Alerts
1
0 critical, 1 warning
Total Assets
$1.3B
+1.3% QoQ
Total Loans
$936.3M
-2.6% QoQ
Total Deposits
$1.2B
+3.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
12.21%
26th pctile · n=342↑ better
+44 bp QoQ
CET1 / RWA
12.21%
50th pctile · n=500↑ better
+43 bp QoQ
Total RBC / RWA
13.42%
28th pctile · n=342↑ better
+45 bp QoQ
Tier 1 Leverage Ratio
12.21%
50th pctile · n=500↑ better
+43 bp QoQ

Liquidity

Cash / Assets
12.43%
82th pctile · n=500↑ better
+315 bp QoQ
Loans / Deposits
79.96%
36th pctile · n=497↓ better
-502 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.56%
57th pctile · n=500↓ better
+7 bp QoQ
NPA / Assets
0.39%
53th pctile · n=500↓ better
+4 bp QoQ
Texas Ratio (regulatory)
4.18%
59th pctile · n=500↓ better
+37 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
33th pctile · n=500↓ better
+1 bp QoQ
ALLL Coverage of NPL
214.74%
50th pctile · n=500↑ better
-2674 bp QoQ

Earnings

Net Interest Margin
3.47%
32th pctile · n=500↑ better
-19 bp QoQ
Return on Assets
1.07%
41th pctile · n=500↑ better
+1 bp QoQ
Return on Equity
11.70%
50th pctile · n=500↑ better
+8 bp QoQ
Efficiency Ratio
63.75%
58th pctile · n=500↓ better
-203 bp QoQ
Pre-tax NOI / Avg Assets
1.33%
41th pctile · n=500↑ better
+0 bp QoQ

Funding

Brokered / Deposits
0.00%
18th pctile · n=497↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.82%
45th pctile · n=500↓ better
-334 bp QoQ

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
12.24%
43th pctile · n=500↑ better
-91 bp QoQ
AFS Securities / Assets
9.14%
37th pctile · n=500↑ better
-87 bp QoQ
HTM Securities / Assets
3.11%
85th pctile · n=500↑ better
-4 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-14 13:37:59 UTC