BlastPoint's Banking Scorecard

Mercer Savings Bank

$100M-$1B Specialty: Agricultural OH FDIC cert 30084

Celina, OH

7 branches across OH · IN

2664 banks in the $100M-$1B peer group nationally 98 in OH

Mercer Savings Bank has 2 strengths but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.63% above tier average
+ Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.6% in tier
- Liquidity Overhang: Bottom 17.2% in tier
- NIB Deposit Bleed: Bottom 24.8% in tier
- ROA 0.47% below tier average
- Efficiency Ratio 12.87% above tier average

Get updates when Mercer Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$174.2M -3.5% YoY -0.1% QoQ	-$211.9M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	20%
Total Loans ?	$148.4M -3.6% YoY -0.8% QoQ	-$107.3M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$148.7M +5.1% YoY -0.4% QoQ	-$179.2M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	21%
Return on Assets ?	0.80% +207.4% YoY +25.1% QoQ	-0.47%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	26%
Net Interest Margin ?	4.56% +14.8% YoY +7.0% QoQ	+0.63%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	78.16% -14.5% YoY -2.9% QoQ	+12.87%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.18% -70.6% YoY -66.3% QoQ	-0.70%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	66%
Loan-to-Deposit Ratio ?	99.79% -8.3% YoY -0.4% QoQ	+23.15%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 8.6% in tier
Non-Interest-Bearing Deposit Share ?	11.00% -22.6% YoY -3.5% QoQ	-11.02%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 12.7% in tier
Nonperforming Asset Ratio ?	0.16% -70.7% YoY -66.6% QoQ	-0.48%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	18.76% +19.4% YoY +4.9% QoQ	+2.93%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.06% -11.2% YoY -72.4% QoQ	-0.22%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	25%

Get Full Access to Mercer Savings Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#95 of 643 • Bottom 14.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.79%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#128 of 739 • Bottom 17.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 18.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 99.79%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#50 of 198 • Bottom 24.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.00%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

435

Net Interest Margin

profitability

Value: 4.56%

Peer Median: 3.93%

#435 of 2664 Top 16.3% in $100M-$1B

440

Tier 1 Capital Ratio

capital

Value: 18.76%

Peer Median: 15.83%

#440 of 2664 Top 16.5% in $100M-$1B

Top Weaknesses (6 metrics)

2435

Loan-to-Deposit Ratio

liquidity

Value: 99.79%

Peer Median: 76.64%

#2435 of 2664 Bottom 8.6% in $100M-$1B

2326

Non-Interest-Bearing Deposit Share

funding

Value: 11.00%

Peer Median: 22.02%

#2326 of 2664 Bottom 12.7% in $100M-$1B

2192

Efficiency Ratio

profitability

Value: 78.16%

Peer Median: 65.29%

#2192 of 2664 Bottom 17.8% in $100M-$1B

2121

Total Assets

size

Value: $174.19M

Peer Median: $386.08M

#2121 of 2664 Bottom 20.4% in $100M-$1B

2100

Total Deposits

size

Value: $148.74M

Peer Median: $327.97M

#2100 of 2664 Bottom 21.2% in $100M-$1B

2007

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2007 of 2664 Bottom 24.7% in $100M-$1B