Call report 2025Q4
MERIT BANK — 2025Q4
The 22 measures MERIT BANK reported to the FFIEC for 2025Q4, each linked to its source filing.
Balance sheet
What the bank holds and owes at quarter end
| Measure | Value | Unit | Source |
|---|---|---|---|
| Total assets | 509,675,000 | USD | evidence → |
| Total loans | 353,313,000 | USD | evidence → |
| Allowance for loan losses | 3,584,000 | USD | evidence → |
| Securities available for sale | 133,804,000 | USD | evidence → |
| Securities held to maturity | 0 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 413,080,000 | USD | evidence → |
| Interest-bearing deposits | 334,365,000 | USD | evidence → |
| Noninterest-bearing deposits | 78,715,000 | USD | evidence → |
| Equity capital | 51,251,000 | USD | evidence → |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | Value | Unit | Source |
|---|---|---|---|
| Interest income | 27,928,000 | USD | evidence → |
| Interest expense | 13,543,000 | USD | evidence → |
| Net interest income | 14,385,000 | USD | evidence → |
| Noninterest income | 2,857,000 | USD | evidence → |
| Noninterest expense | 11,342,000 | USD | evidence → |
| Provision for loan losses | 1,872,000 | USD | evidence → |
| Pretax income | 3,966,000 | USD | evidence → |
| Income tax | 900,000 | USD | evidence → |
| Net income | 3,066,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 50,948,000 | USD | evidence → |
| Total capital | 54,723,000 | USD | evidence → |
| Risk-weighted assets | 391,548,000 | USD | evidence → |