🏦Bank Scorer

THE MERCHANTS NATIONAL BANK

HILLSBORO, OH · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1879FDIC #6,605
Outstanding Same

Current rating · Exam: June 2022

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 1.07%

Institution Profile

FDIC BankFind

Address

100 N High St, HILLSBORO, OH

County

Highland County

Established

December 25, 1879

Total Assets

$1.3B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

June 27, 2022

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Jun 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.3B

Total Deposits

$1.2B

Net Loans

$936M

Net Income

$4M

ROA

1.07%

ROE

11.70%

Risk-Based Capital

13.42%

Regulatory minimum: 8%

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.1B

1-Year Change

0

5-year net change: -1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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