BlastPoint's Banking Scorecard
The Merchants National Bank
Designations: ✓ Community bank
Hillsboro, OH
17 branches across OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits -2.9% year over year ($1.1B on the books).
- Delinquency rate 0.53%.
- Return on assets 1.17%.
- Efficiency ratio 61.93% vs a 59.73% peer average.
- Loan-to-deposit ratio 84.95% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Merchants National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.33% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Net Interest Margin 0.22% below tier average
- - Efficiency Ratio 2.20% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-4.9% YoY
-5.3% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$940.8M
-3.3% YoY
+0.5% QoQ
|
-$1.0B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$1.1B
-2.9% YoY
-5.4% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.17%
+11.9% YoY
+9.6% QoQ
|
-0.22% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.65%
+12.0% YoY
+5.1% QoQ
|
-0.22% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
61.93%
-0.1% YoY
-2.9% QoQ
|
+2.20% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
40% |
| Delinquency Rate ? |
0.53%
+9.7% YoY
-5.1% QoQ
|
-0.33% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
84.95%
-0.4% YoY
+6.2% QoQ
|
-0.08% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
22.45%
+13.3% YoY
+24.2% QoQ
|
+1.18% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.40%
+11.6% YoY
+0.7% QoQ
|
-0.28% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
12.00%
+3.0% YoY
-1.8% QoQ
|
-2.84% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.26%
+13.1% YoY
+110.4% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
41% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.5%
+2.6pp YoY +4.4pp QoQ |
+1.1pp | 21.4% | 18.8% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 9.5% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
+0.1pp YoY +0.7pp QoQ |
-7.8pp | 14.0% | 10.2% | 12.5% | 25% |
| CRE |
31.7%
+0.4pp YoY -0.3pp QoQ |
-18.3pp | 50.0% | 34.2% | 41.4% | 12% |
| 1-4 Family |
37.8%
-0.2pp YoY -0.4pp QoQ |
+11.4pp | 26.4% | 50.0% | 31.3% | 79% |
| Consumer |
2.4%
-0.3pp YoY -0.1pp QoQ |
-2.3pp | 4.7% | 4.7% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
+0.3pp YoY -0.2pp QoQ |
-3.6pp | 15.6% | 22.1% | 19.7% | 24% |
| Leverage Ratio |
8.9%
+0.5pp YoY +0.2pp QoQ |
-2.4pp | 11.3% | 12.9% | 12.6% | 10% |
| Total Capital Ratio |
13.2%
+0.4pp YoY -0.2pp QoQ |
-3.5pp | 16.7% | 23.2% | 20.8% | 25% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
194
0 YoY +8 (+4.3%) QoQ |
-120 | 313 | 2,433 | 482 | 40% |
| Assets per Employee ($) |
$6.5M
-4.9% YoY -9.2% QoQ |
-$4.0M | $10.5M | $7.6M | $8.8M | 18% |
| Branch Count |
17
0 YoY 0 QoQ |
-3 | 20 | 81 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.4% | 32% |
| Nonaccrual |
0.5%
+0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.8% | 0.6% | 1.0% | 50% |
| Allowance Coverage |
2.25x
-5.2% YoY +4.9% QoQ |
-16.46x | 18.71x | 18.95x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 19% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+0.4pp YoY +0.9pp QoQ |
0.0pp | 12.6% | 9.7% | 11.6% | 53% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY -0.1pp QoQ |
-0.6pp | 1.9% | 1.7% | 1.7% | 13% |
| Net Income ($, YTD) |
$7.7M
+9.0% YoY — QoQ |
-$11.6M | $19.2M | $259.3M | $40.4M | 28% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.