FDIC Cert #34519 · South Jordan, Utah · Est. 1997

Merrick Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$9.3B
Total assets
A
Health grade · Excellent
1.16%
Return on assets
20.1%
Tier 1 capital

Data updated July 2026

The verdict

Merrick Bank earns a PlainBankData health grade of A (91/100), with well-capitalized at 20.09% Tier 1, profitable at 1.16% ROA, efficient (31% cost ratio).

#171
largest of 4,313 FDIC banks by assets
96th
percentile by asset size, nationally
20.09%
Tier 1 ratio - above the 10% well-capitalized line
54th
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 34519 · UT A · 91/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (91/100)
  • UPPER-Q #743/4307
  • PHOTO-FINISH West Pointe Bank · WI
  • TIER1-WELL 20.1% Tier 1
  • TEXAS-CLEAN 10.8% Texas
  • ROA-PAR 1.16% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Utah: West Pointe Bank, WI (±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 Merrick Bank

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

Morgan Stanley Bank,… · UT ·…100/100Merrick Bank · UT · this bank91/100The Bancorp Bank, Na… · SD ·…91/100The Murray Bank · KY · near91/100Unity Bank · NJ · near91/100West Pointe Bank · WI · near91/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Merrick Bank · July 2026

What Merrick Bank's Call Report plate shows

Merrick Bank (FDIC Cert #34519) carries a PlainBankData health grade of A at 91/100, 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 #743 of 4,307. Tier 1 capital prints at 20.09%, clearing the 10% well-capitalized line. The Texas Ratio is 10.80%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.16%. Balance-sheet scale is $9.3B, 171st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is West Pointe Bank (WI), 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 Merrick Bank

8 FAILURE resolutions in Utah since 2000 (7 since 2008)

Merrick Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Merrick Bank remains an active FDIC-insured reporter.

  • PROFICIO BANK COTTONWOOD HEIGHTS, UT 2017 → CACHE VALLEY BANK
  • SUNFIRST BANK SAINT GEORGE, UT 2011 → CACHE VALLEY BANK
  • CENTENNIAL BANK OGDEN, UT 2010

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

How Merrick Bank's 91/100 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 avg77/10091/100
Merrick Bank's composite health score
Tier 1 Capital Ratio (20.09%) 40/40
Return on Assets (ROA) (1.16%) 20/25
Texas Ratio (10.80%) 16/20
Efficiency Ratio (30.83%) 15/15

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

Balance sheet at a glance

Total Assets

$9.3B

Total balance-sheet footings

Total Deposits

$7.3B

Customer-funded liabilities

Net Loans

$7.5B

Outstanding loan book

Net Income

$100M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 5% 10% 15% 20% 25% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 18.69% 20.09% 21.49%
Basel III capital ratios - Merrick Bank

Where Merrick Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Merrick Bank's score of 91/100 falls in the highlighted band.

Merrick Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

91 Top 17% higher than 83% 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%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Merrick 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

Merrick 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). Merrick Bank's $9.3B falls in the highlighted band.

Safety ratios for Merrick Bank

Tier 1 capital ratio
Well-capitalized 10%

20.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
20.09%
Texas Ratio
10.80%
Equity Capital
$1.9B

What these ratios mean →

Earnings posture at Merrick Bank

Return on Assets (ROA)
54th percentile nationally
1.16%
Return on Equity (ROE)
5.74%
Efficiency Ratio
30.83%

What these mean →

Income & expense at Merrick Bank

$1.8B
Interest Income
$254M
Non-Interest Income
$569M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Merrick Bank reports a Texas Ratio of 10.80% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

10.80% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Merrick Bank on FDIC BankFind →

Top banks in Utah by total assets

Largest banks headquartered in Utah
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    American Express National Bank $211.3B

    Sandy, UT · Grade A

  3. 3
    Ally Bank $184.6B

    Sandy, UT · Grade A

  4. 4
    UBS Bank USA $119.3B

    Salt Lake City, UT · Grade A

  5. 5
    Synchrony Bank $112.1B

    Draper, UT · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($9.3B here), outside Utah so the neighborhood is not state containment.

Woodforest National Bank $9.2B · TX Nicolet National Bank $9.2B · WI Principal Bank $9.3B · IA The Bancorp Bank $9.3B · SD

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Merrick Bank (FDIC Cert #34519) - 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.

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

Other banks in Utah

All Utah banks →
BankAssetsGradeROA
Morgan Stanley Bank, National AssociationSalt Lake City $253.3B A 1.86%
American Express National BankSandy $211.3B A 3.89%
Ally BankSandy $184.6B A 0.91%
UBS Bank USASalt Lake City $119.3B A 1.13%
Synchrony BankDraper $112.1B A 2.89%
Zions Bancorporation, N.A.Salt Lake City $89.0B B 1.01%
SoFi Bank, National AssociationCottonwood Heights $46.6B A 1.96%
Sallie Mae BankSalt Lake City $29.7B A 2.90%