At a Glance
Community Lending (CRA)
Satisfactory
Meets federal requirements for community lending
Financial Health
Strong
ROA 1.63%
Is this bank safe?
MERCHANTS NATIONAL BANK holds a Satisfactory CRA rating (1991), and is financially strong (ROA +1.63%).
Institution Profile
FDIC BankFindWebsite
Address
County
Established
Total Assets
Community Reinvestment Rating
CRA / FFIECFederal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Financial Snapshot
Total Assets
$218M
Total Deposits
$176M
Net Loans
$147M
Net Income
$895K
ROA
1.63%
Above avg for Small banks. Peer avg: 0.44%
ROE
10.71%
Risk-Based Capital
0.00%
Below avg for Small banks. Regulatory min: 8%
Peer Comparison
Small banksCompared to the peer-bank Small peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
Branch Footprint
Total Branches
4
Branch Deposits
$174M
1-Year Change
0
This is the only examination on record for this bank.
Embed this rating
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/merchants-national-bank" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview: