BlastPoint's Banking Scorecard
The Merchants National Bank
Community
Specialty: Commercial
OH
FDIC cert 6605
Hillsboro, OH
1484
banks in Community tier nationally
45 in OH
View Community leaderboard (OH) →
The Merchants National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+0.4% YoY
-1.0% QoQ
|
-$70.6M |
$1.4B
+2.0% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$961.4M
-3.7% YoY
-0.6% QoQ
|
-$14.1M |
$975.5M
+2.4% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$1.1B
+3.3% YoY
-1.2% QoQ
|
-$33.3M |
$1.2B
+1.7% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.08%
+34.1% YoY
-0.3% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.40%
+17.6% YoY
+2.7% QoQ
|
-0.27% |
3.66%
+9.1% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
62.74%
-7.5% YoY
+1.8% QoQ
|
+0.10% |
62.63%
-5.3% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.49%
+28.7% YoY
-3.0% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
84.98%
-6.8% YoY
+0.5% QoQ
|
+1.92% |
83.06%
+0.3% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
20.87%
-4.4% YoY
+10.2% QoQ
|
-0.18% |
21.05%
-0.9% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.35%
+22.4% YoY
-2.6% QoQ
|
-0.14% |
0.50%
+20.3% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
11.78%
+6.6% YoY
-2.7% QoQ
|
+1.54% |
10.24%
-0.6% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
45% |
| Non-Interest Income / Assets ? |
0.48%
+4.0% YoY
+37.6% QoQ
|
-0.26% |
0.74%
-1.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#113 of 245 · Bottom 46% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.08%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
66
66th pctile
Total Loans
Current: $961.4M · Tier avg: $975.5M
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.87% · Tier avg: 21.05%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.98% · Tier avg: 83.06%
48
48th pctile
Efficiency Ratio
Current: 62.74% · Tier avg: 62.63%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 10.24%
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
Top Weaknesses
37
37th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.66%
45
45th pctile
Tier 1 Capital Ratio
Current: 11.78% · Tier avg: 10.24%
46
46th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.16%
46
46th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.74%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
48
48th pctile
Efficiency Ratio
Current: 62.74% · Tier avg: 62.63%
49
49th pctile
Loan-to-Deposit Ratio
Current: 84.98% · Tier avg: 83.06%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.87% · Tier avg: 21.05%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
66
66th pctile
Total Loans
Current: $961.4M · Tier avg: $975.5M