B
Merit Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.98
Leverage
Ratio
10.21
Return On
Assets
0.66%
Total
Assets
509.68M
Capital
51.25M
Total
Deposits
413.08M
Net
Income
3.07M
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Weiss Ratings Merit Bank
Huntsville, AL 		Click to
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Rating B
Asset Quality Index 7.90
Capitalization Index 8.80
Liquidity Index 3.00
Profitability Index 3.60
Stability Index 5.20
Company Info Merit Bank
Huntsville, AL 		Click to
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FDIC Number 15270
Phone Number (256) 692-8700
Website www.meritbank.com
Asset Quality Merit Bank
Huntsville, AL 		Click to
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1-Year Asset Growth 17.58%
5-Year Asset Growth 45.48%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.41%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 1.89%
Non-Performing Loans to Loans 0.29%
Balance Sheet Merit Bank
Huntsville, AL 		Click to
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Total Assets 509.68M
Total Deposits 413.08M
Capital and Reserves Merit Bank
Huntsville, AL 		Click to
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Capital 51.25M
Leverage Ratio 10.21
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 13.98
Liquidity Merit Bank
Huntsville, AL 		Click to
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Hot Money Ratio 10.44%
Liquidity Ratio 25.77%
Profitability Merit Bank
Huntsville, AL 		Click to
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5-Year Return on Average Assets -0.06%
Net Income 3.07M
Net Interest Spread 3.18%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 65.78%
Return on Assets 0.66%
Return on Equity 7.14%