| Weiss Ratings |
Merchants Bank
Rugby, ND |
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| Rating | ||||
| Asset Quality Index | 3.60 | |||
| Capitalization Index | 9.30 | |||
| Liquidity Index | 0.80 | |||
| Profitability Index | 7.50 | |||
| Stability Index | 6.70 | |||
| Company Info |
Merchants Bank
Rugby, ND |
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| FDIC Number | 8943 | |||
| Phone Number | (701) 776-5811 | |||
| Website | www.merchantsbankrugby.com | |||
| Asset Quality |
Merchants Bank
Rugby, ND |
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| 1-Year Asset Growth | 3.49% | |||
| 5-Year Asset Growth | 7.59% | |||
| 5-Year Charge-Offs to Average Loans | 0.03% | |||
| Charge-Offs to Average Loans | 0.09% | |||
| Non-Performing Assets to Assets | 0.85% | |||
| Non-Performing Loans to Capital | 8.12% | |||
| Non-Performing Loans to Loans | 1.13% | |||
| Balance Sheet |
Merchants Bank
Rugby, ND |
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| Total Assets | 254.28M | |||
| Total Deposits | 223.37M | |||
| Capital and Reserves |
Merchants Bank
Rugby, ND |
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| Capital | 26.53M | |||
| Leverage Ratio | 10.56 | |||
| Loan Loss Reserves to Loans | 1.18% | |||
| Risk-Based Capital Ratio | 15.03 | |||
| Liquidity |
Merchants Bank
Rugby, ND |
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| Hot Money Ratio | 25.09% | |||
| Liquidity Ratio | 10.55% | |||
| Profitability |
Merchants Bank
Rugby, ND |
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| 5-Year Return on Average Assets | 1.17% | |||
| Net Income | 1.95M | |||
| Net Interest Spread | 4.13% | |||
| Operating Profit to Average Assets | 2.02% | |||
| Overhead Efficiency Ratio | 49.33% | |||
| Return on Assets | 1.52% | |||
| Return on Equity | 15.04% | |||