MERCHANTS HOLDING CO is the parent banking group. MERCHANTS BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

MERCHANTS HOLDING CO

Legal name: MERCHANTS HOLDING COMPANY

1 active bank · $258M combined assets

RSSD ID: 1142206 (FFIEC NIC)

Combined Assets

$258M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this banking group's charters, 90% resulted in Outstanding or Satisfactory.

Primary bankMERCHANTS BANKRUGBY, NDSatisfactory$258MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$258M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$227M

Net Income

$897K

ROA (avg)

1.36%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
MERCHANTS BANK	RUGBY, ND	FDIC	$258M	100.0%	Satisfactory	Jul 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.