🏦Bank Scorer

MERCHANTS BANK, NATIONAL ASSOCIATION

WINONA, MN · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1875FDIC #8,866
Satisfactory Same

Current rating · Exam: January 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.22%

Institution Profile

FDIC BankFind

Address

100 E 3rd St, WINONA, MN

County

Winona County

Established

January 1, 1875

Total Assets

$2.9B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 3, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jan 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.9B

Total Deposits

$2.6B

Net Loans

$2.0B

Net Income

$9M

ROA

1.22%

ROE

10.54%

Risk-Based Capital

14.45%

Regulatory minimum: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate4.91%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

22

Branch Deposits

$2.4B

1-Year Change

-1

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,71186.5%4.91%
20231,68586.41%4.09%
20222,58387.03%2.13%
20214,91987.15%3.19%
20205,57785.91%3.08%
20193,56489.81%2.97%
20183,07187.4%3.42%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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