Total Assets
$1.3B
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
The Merchants National Bank — FDIC Bank Health Profile
Hillsboro, Ohio · Est. 1879. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) National Bank FDIC Cert #6605 Chicago Region
C
Health grade
Fair
Score: 56/100
Basel III capital ratios — The Merchants National Bank
Total Deposits
$1.1B
Customer-funded liabilities
Net Loans
$961M
Outstanding loan book
Net Income
$14M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
11.78% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.78%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$120M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
1.08%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
12.20%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
62.74%
Income & Expense Breakdown
$63M
Interest Income
$6M
Non-Interest Income
$31M
Non-Interest Expense
FDIC Deposit Insurance
The Merchants National Bank is FDIC-insured (Certificate #6605). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About The Merchants National Bank
The Merchants National Bank is an FDIC-insured institution (Certificate #6605) headquartered in Hillsboro, Ohio, established in 1879. The bank currently holds $1.3B in total assets and $1.1B in customer deposits, with $961M deployed as loans. It operates as a Nationally chartered (OCC) (National Bank) within the FDIC Chicago region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, The Merchants National Bank reports a Tier 1 Capital Ratio of 11.78% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $120M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 1.08% and a Return on Equity of 12.20%, with an Efficiency Ratio of 62.74% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (56/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at The Merchants National Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Ohio by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data The Merchants National Bank (FDIC Cert #6605) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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.
Other Banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National Association Columbus | $3.8T | B | 1.34% |
| U.S. Bank National Association Cincinnati | $676.1B | B | 1.18% |
| The Huntington National Bank Columbus | $224.0B | C | 1.20% |
| Fifth Third Bank, National Association Cincinnati | $213.7B | B | 1.34% |
| KeyBank National Association Cleveland | $181.7B | B | 1.17% |
| First Financial Bank Cincinnati | $21.0B | B | 1.53% |
| Third Federal Savings and Loan Association of Cleveland Cleveland | $17.5B | C | 0.51% |
| The Park National Bank Newark | $9.7B | B | 1.90% |
Frequently Asked Questions
What is The Merchants National Bank's health grade? ▼
The Merchants National Bank receives a health grade of C (56/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Merchants National Bank? ▼
The Merchants National Bank holds $1.3B in total assets and $1.1B in deposits. It is headquartered in Hillsboro, Ohio.
Is my money safe at The Merchants National Bank? ▼
Yes. The Merchants National Bank is FDIC-insured (Certificate #6605). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is The Merchants National Bank's Tier 1 Capital Ratio? ▼
The Merchants National Bank has a Tier 1 Capital Ratio of 11.78%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is The Merchants National Bank? ▼
The Merchants National Bank has an Efficiency Ratio of 62.74%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.