Celina, OH · Cert 30084 · Mercer Bcorp Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.90% | 0.91% | 0.49% | 0.80% | 0.79% | -11 bps | |
| Return on Equity | 7.55% | 7.42% | 3.88% | 6.19% | 6.06% | -149 bps | |
| Net Interest Margin | 3.97% | 4.10% | 4.01% | 4.19% | 4.16% | +19 bps | |
| Efficiency Ratio | 71.07% | 74.30% | 85.86% | 78.16% | 78.69% | +762 bps | |
| Non-Interest Burden | 2.77% | 2.99% | 3.41% | 3.23% | 3.22% | +45 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.47% | -2.95% | -3.56% | -3.50% | 0.13% | +60 bps | |
| Loan Growth (YoY) | 1.61% | -3.11% | -4.01% | -3.61% | -0.93% | -255 bps | |
| Deposit Growth (YoY) | 5.29% | 6.35% | 9.23% | 5.08% | 2.81% | -247 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.53% | 1.05% | 0.54% | 0.18% | 0.08% | -44 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.01% | 0.12% | 0.17% | -0.11% | -13 bps | |
| Allowance / Loans | 0.63% | 0.63% | 0.61% | 0.58% | 0.60% | -3 bps | |
| Allowance Coverage of NPLs | 1.2x | 0.6x | 1.1x | 3.2x | 7.1x | +5.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.04% | 12.55% | 12.66% | 12.96% | 13.16% | +112 bps | |
| Total Risk-Based Capital | 16.99% | 17.82% | 18.62% | 19.48% | 19.90% | +291 bps | |
| Equity / Assets | 12.12% | 12.42% | 12.75% | 12.99% | 13.02% | +91 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 107.63% | 103.68% | 100.79% | 100.37% | 103.70% | -392 bps | |
| Liquid Assets / Assets | 0.53% | 0.50% | 0.97% | 1.37% | 0.28% | -24 bps | |
| CRE / Total Capital | n/a | 35.32% | 35.49% | 36.42% | n/a | n/a | |