| Weiss Ratings |
Merchants Bank, National Association
Winona, MN |
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| Rating | ||||
| Asset Quality Index | 6.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.10 | |||
| Profitability Index | 5.80 | |||
| Stability Index | 8.80 | |||
| Company Info |
Merchants Bank, National Association
Winona, MN |
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| FDIC Number | 8866 | |||
| Phone Number | (507) 457-1100 | |||
| Website | www.merchantsbank.com | |||
| Asset Quality |
Merchants Bank, National Association
Winona, MN |
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| 1-Year Asset Growth | 4.97% | |||
| 5-Year Asset Growth | 9.82% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | 0.04% | |||
| Non-Performing Assets to Assets | 0.84% | |||
| Non-Performing Loans to Capital | 5.97% | |||
| Non-Performing Loans to Loans | 1.11% | |||
| Balance Sheet |
Merchants Bank, National Association
Winona, MN |
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| Total Assets | 2.82B | |||
| Total Deposits | 2.45B | |||
| Capital and Reserves |
Merchants Bank, National Association
Winona, MN |
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| Capital | 329.98M | |||
| Leverage Ratio | 11.16 | |||
| Loan Loss Reserves to Loans | 1.34% | |||
| Risk-Based Capital Ratio | 14.15 | |||
| Liquidity |
Merchants Bank, National Association
Winona, MN |
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| Hot Money Ratio | 12.09% | |||
| Liquidity Ratio | 20.23% | |||
| Profitability |
Merchants Bank, National Association
Winona, MN |
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| 5-Year Return on Average Assets | 1.07% | |||
| Net Income | 25.14M | |||
| Net Interest Spread | 3.37% | |||
| Operating Profit to Average Assets | 1.53% | |||
| Overhead Efficiency Ratio | 64.85% | |||
| Return on Assets | 1.20% | |||
| Return on Equity | 10.58% | |||