FDIC Cert #30084 · Celina, Ohio · Est. 1888

Mercer Savings Bank - FDIC Bank Health Profile

A community-scale look at Mercer Savings Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$174M
Total assets
B
Health grade · Good
0.64%
Return on assets
17.9%
Tier 1 capital

Data updated July 2026

The verdict

Mercer Savings Bank earns a PlainBankData health grade of B (74/100), with well-capitalized at 17.88% Tier 1, 0.64% ROA, 81% efficiency ratio.

#3,186
largest of 4,313 FDIC banks by assets
26th
percentile by asset size, nationally
17.88%
Tier 1 ratio - above the 10% well-capitalized line
21st
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 30084 · OH B · 74/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (74/100)
  • MID-PACK #2639/4307
  • PHOTO-FINISH Peoples Community Ba… · IN
  • TIER1-WELL 17.9% Tier 1
  • TEXAS-CLEAN 3.5% Texas
  • ROA-THIN 0.64% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Ohio: Peoples Community Bank SB of Monticello, Indiana, IN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Mercer Savings Bank

Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beardstown Savings s… · IL ·…74/100First Federal Bank L… · TX ·…74/100Mercer Savings Bank · OH · t…74/100Peoples Community Ba… · IN ·…74/100Rayne Building and L… · LA ·…74/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Mercer Savings Bank · July 2026

Call Report read for Mercer Savings Bank in a high-failure state

Mercer Savings Bank (FDIC Cert #30084) carries a PlainBankData health grade of B at 74/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,639 of 4,307. Tier 1 capital prints at 17.88%, clearing the 10% well-capitalized line. The Texas Ratio is 3.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.64%. Balance-sheet scale is $174M, 3,186th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Peoples Community Bank SB of Monticello, Indiana (IN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Mercer Savings Bank

9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus

Mercer Savings Bank sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about Mercer Savings Bank's current Call Report.

  • RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
  • COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
  • BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.

How Mercer Savings Bank's 74/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10074/100
Mercer Savings Bank's composite health score
Tier 1 Capital Ratio (17.88%) 40/40
Return on Assets (ROA) (0.64%) 14/25
Texas Ratio (3.51%) 20/20
Efficiency Ratio (80.53%) 0/15

74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$174M

Total balance-sheet footings

Total Deposits

$149M

Customer-funded liabilities

Net Loans

$150M

Outstanding loan book

Net Income

$1M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 16.48% 17.88% 19.28%
Basel III capital ratios - Mercer Savings Bank

Where Mercer Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Mercer Savings Bank's score of 74/100 falls in the highlighted band.

Mercer Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

74 39th percentile higher than 39% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Mercer Savings Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Mercer Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Mercer Savings Bank's $174M falls in the highlighted band.

Capital & credit buffers at Mercer Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

17.88% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
17.88%
Texas Ratio
3.51%
Equity Capital
$22M

What these ratios mean →

Profitability metrics: Mercer Savings Bank

Return on Assets (ROA)
21st percentile nationally
0.64%
Return on Equity (ROE)
5.27%
Efficiency Ratio
80.53%

What these mean →

Income & expense at Mercer Savings Bank

$10M
Interest Income
$370K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Mercer Savings Bank reports a Texas Ratio of 3.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

3.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Mercer Savings Bank on FDIC BankFind →

Top banks in Ohio by total assets

Largest banks headquartered in Ohio
  1. 1
    JPMorgan Chase Bank $3.75T

    Columbus, OH · Grade A

  2. 2
    U.S. Bank $676.1B

    Cincinnati, OH · Grade A

  3. 3
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

  4. 4
    Fifth Third Bank $213.7B

    Cincinnati, OH · Grade A

  5. 5
    KeyBank $181.7B

    Cleveland, OH · Grade A

Top 5 banks in Ohio ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($174M here), outside Ohio so the neighborhood is not state containment.

Americana Community Bank $174M · MN DeWitt Savings Bank $174M · IL The Haverford Trust Company $174M · PA The Bank of the West $175M · OK

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Mercer Savings Bank (FDIC Cert #30084) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Mercer Savings Bank Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Ohio

All Ohio banks →
BankAssetsGradeROA
JPMorgan Chase Bank, National AssociationColumbus $3.75T A 1.34%
U.S. Bank National AssociationCincinnati $676.1B A 1.18%
The Huntington National BankColumbus $224.0B A 1.20%
Fifth Third Bank, National AssociationCincinnati $213.7B A 1.34%
KeyBank National AssociationCleveland $181.7B A 1.17%
First Financial BankCincinnati $21.0B A 1.53%
Third Federal Savings and Loan Association of ClevelandCleveland $17.5B A 0.51%
The Park National BankNewark $9.7B A 1.90%