Mercer Savings Bank
Celina, OH · Cert 30084 · Peer group: banks under $1B in assets operating regionally (n=94) · Mercer Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$176.2MAssets
$151.9MLoans
$146.4MDeposits
$22.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating regionally (rank 9 of 94).
- Widest gap: net charge-offs / loans trails 86% of banks under $1B in assets operating regionally (rank 82 of 94).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.79%
Rank 73 of 94
Net Interest Margin
4.18%
Rank 24 of 94
Efficiency Ratio
78.42%
Rank 77 of 94
Equity / Assets
13.02%
Rank 9 of 94
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 19% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.82% | 1.19% | 1.46% | Beats 22% | 73 / 94 | | |
| Return on Equity | 6.03% | 7.85% | 11.84% | 14.03% | Beats 19% | 76 / 94 | | |
| Net Interest Margin | 4.18% | 3.42% | 3.81% | 4.18% | Beats 74% | 24 / 94 | | |
| Efficiency Ratio | 78.42% | 55.99% | 62.41% | 73.02% | Beats 19% | 77 / 94 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.08% | 0.19% | 0.47% | 1.14% | Beats 83% | 17 / 94 | | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.02% | 0.05% | Beats 14% | 82 / 94 | | |
| Capital |
| Tier 1 Capital Ratio | 19.15% | 10.28% | 11.95% | 15.07% | Beats 89% | 10 / 94 | | |
| Total Risk-Based Capital Ratio | 19.90% | 10.31% | 12.59% | 15.88% | Beats 89% | 10 / 94 | | |
| Equity / Assets | 13.02% | 8.98% | 10.21% | 11.41% | Beats 90% | 9 / 94 | | |
| Liquidity & Funding |
| Loans / Deposits | 103.70% | 72.62% | 84.44% | 94.55% | 91st pctl | 8 / 94 | | |
| Loans / Assets | 86.18% | 62.50% | 72.84% | 78.99% | 94th pctl | 6 / 94 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |