B
Merit Bank
Rating Date
August 2026
Risk Based
Capital Ratio
13.16
Leverage
Ratio
9.70
Return On
Assets
1.02%
Total
Assets
581.58M
Capital
54.05M
Total
Deposits
446.63M
Net
Income
2.72M
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Weiss Ratings Merit Bank
Huntsville, AL 		Click to
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Rating B
Asset Quality Index 8.20
Capitalization Index 8.10
Liquidity Index 3.20
Profitability Index 4.60
Stability Index 5.60
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 26.56%
5-Year Asset Growth 45.48%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans 0.14%
Non-Performing Assets to Assets 0.04%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Merit Bank
Huntsville, AL 		Click to
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Total Assets 581.58M
Total Deposits 446.63M
Capital and Reserves Merit Bank
Huntsville, AL 		Click to
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Capital 54.05M
Leverage Ratio 9.70
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 13.16
Liquidity Merit Bank
Huntsville, AL 		Click to
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Hot Money Ratio 11.49%
Liquidity Ratio 24.75%
Profitability Merit Bank
Huntsville, AL 		Click to
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5-Year Return on Average Assets 0.39%
Net Income 2.72M
Net Interest Spread 3.50%
Operating Profit to Average Assets 1.29%
Overhead Efficiency Ratio 59.08%
Return on Assets 1.02%
Return on Equity 10.47%