Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$2.9B
Total Deposits
$2.6B
Net Loans
$2.0B
Net Income
$9M
ROA
1.22%
Above avg for Community banks. Peer avg: 0.90%
ROE
10.54%
Risk-Based Capital
14.45%
Above avg for Community banks. Regulatory min: 8%
Compared to the peer-bank Community peer group (same asset tier).
Unlock peer list → See which specific banks are in this peer group.
| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 1,711 | 86.5% | 4.91% |
| 2023 | 1,685 | 86.41% | 4.09% |
| 2022 | 2,583 | 87.03% | 2.13% |
| 2021 | 4,919 | 87.15% | 3.19% |
| 2020 | 5,577 | 85.91% | 3.08% |
| 2019 | 3,564 | 89.81% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jan 2023 | Satisfactory | Large Bank |
| May 2019 | Satisfactory | Large Bank |
| Mar 2016 | Satisfactory | Large Bank |
7 previous ratings locked — back to 1991
Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.
One-time payment · No subscription required
Exam dates and details are paywalled
Total Branches
22
Branch Deposits
$2.4B
1-Year Change
-1
5-year net change: -2 branches
Copy this snippet to embed a live rating badge on your website:
<iframe src="https://bankscorer.com/widget/bank/merchants-bank-national-association" width="320" height="80" frameborder="0" scrolling="no" style="border:none" ></iframe>
Updates automatically when the rating changes.
Preview:
| 2.97% |
| 2018 | 3,071 | 87.4% | 3.42% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red