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Mercer Savings Bank
Celina, OH · FDIC Certificate #30084 · Chartered 01/0
Total assets
$176.21M
Total deposits
$146.45M
Total equity
$22.95M
Net loans
$150.96M
Branches (offices)
7
Net income (YTD)
$692.00K
Rank: #3,133 of 4,213 U.S. banks by assets · #106 of 155 in Ohio. Assets changed 0.1% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.79% |
| Return on equity | 6.12% |
| Net interest margin (YTD) | 4.53% |
| Equity to assets | 13.02% |
| Tier 1 leverage ratio | 13.16% |
| Uninsured deposits (share of deposits) | 6.0% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 103.1% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $141.63M | 93.8% | |
| Commercial & industrial | $1.06M | 0.7% | |
| Consumer / individual | $9.46M | 6.3% | |
| Construction & development | $7.12M | 4.7% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $156.57M | $138.88M | $396.00K | $13.70M |
| Jun 2023 | $155.88M | $134.66M | $601.00K | $15.12M |
| Jun 2024 | $176.81M | $135.29M | $343.00K | $20.29M |
| Jun 2025 | $175.98M | $142.44M | $516.00K | $21.32M |
| Jun 2026 | $176.21M | $146.45M | $692.00K | $22.95M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $142.34M | 4 |
| Indiana | $4.11M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $146.45M.
Similar-sized banks
The Bank Of Kaukauna ($176.29M) · All Capital Bank ($176.08M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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