THE MERCHANTS NATIONAL BANK

HILLSBORO, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1879FDIC #6,605

Outstanding Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.07%

Institution Profile

FDIC BankFind

Website

www.merchantsnat.com

Address

100 N High St, HILLSBORO, OH

County

Highland County

Established

December 25, 1879

Total Assets

$1.3B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 27, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Jun 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

$936M

Net Income

$4M

ROA

1.07%

Above avg for Community banks. Peer avg: 0.90%

ROE

11.70%

Risk-Based Capital

13.42%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.07%Peer avg: 0.90%▲ Above avg

Risk-Based Capital13.42%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate13.08%Peer avg: 9.91%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$1.1B

1-Year Change

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	321	67.29%	13.08%
2022	522	70.31%	12.07%
2021	921	77.31%	9.77%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jun 2022	Outstanding	Intermediate Small Bank
Apr 2019	Outstanding	Intermediate Small Bank
Apr 2016	Outstanding	Intermediate Small Bank

6 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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