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 The Merchants National Bank
The Merchants National Bank
| RSSD ID 701222 | CERTIFICATE 6605 | ABA NUMBER 42205009 |
| 100 N High St |
Quarter Ended : |
2025-12-31 |
| Hillsboro, Ohio, 45133 |
Updated : |
2026-02-10 |
| www.merchantsnat.com |
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| Institution Profile |
| Year Opened : |
1879 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
17 |
Number of Employees : |
180 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 1,320,880 |
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Total Interest Income | 62,890 |
| Total Liabilities | 1,200,720 |
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Total NonInterest Income | 6,376 |
| Total Bank Equity Capital | 120,160 |
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Total Interest Expense | 20,096 |
| Total Deposits | 1,131,307 |
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Total NonInterest Expense | 31,175 |
| Net Loans & Leases | 961,416 |
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Net Income | 14,378 |
| Loan Loss Allowance | 11,311 |
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Net Charge Offs | (178) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 123,052 |
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Total loans | 959,146 |
| Total assets for the leverage ratio | 1,325,699 |
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Loans secured by real estate: | 841,632 |
| Tier 1 Leverage Ratio | 8.43 |
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Commercial and industrial loans | 60,088 |
| Tier 1 Capital Ratio | 11.78 |
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Loans to individuals - Credit Cards | 1,408 |
| Total Capital Ratio | 12.98 |
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Loans to individuals - Other | 22,373 |
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:· The Merchants National Bank
