Call reports 2026
MERCHANTS COMMERCIAL BANK — 2026
What MERCHANTS COMMERCIAL BANK reported to the FFIEC in 2026, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Total assets | 526,107,000 | 505,964,000 |
| Total loans | 226,322,000 | 236,945,000 |
| Allowance for loan losses | 2,310,000 | 2,349,000 |
| Securities available for sale | 228,787,000 | 232,269,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 413,210,000 | 393,712,000 |
| Interest-bearing deposits | 246,768,000 | 233,424,000 |
| Noninterest-bearing deposits | 166,442,000 | 160,288,000 |
| Equity capital | 27,075,000 | 31,908,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Interest income | 6,679,000 | 13,394,000 |
| Interest expense | 2,395,000 | 4,676,000 |
| Net interest income | 4,284,000 | 8,718,000 |
| Noninterest income | 633,000 | 1,119,000 |
| Noninterest expense | 2,438,000 | 4,895,000 |
| Provision for loan losses | 75,000 | 114,000 |
| Pretax income | 2,404,000 | 4,828,000 |
| Income tax | 0 | 0 |
| Net income | 2,404,000 | 4,828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 56,139,000 | 57,359,000 |