Call reports 2026
MERIT BANK — 2026
What MERIT 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 | 524,764,000 | 581,582,000 |
| Total loans | 356,764,000 | 400,214,000 |
| Allowance for loan losses | 3,315,000 | 3,842,000 |
| Securities available for sale | 128,735,000 | 134,688,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 444,043,000 | 446,627,000 |
| Interest-bearing deposits | 351,036,000 | 346,033,000 |
| Noninterest-bearing deposits | 93,007,000 | 100,594,000 |
| Equity capital | 51,382,000 | 54,052,000 |
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 | 7,269,000 | 15,213,000 |
| Interest expense | 3,089,000 | 6,449,000 |
| Net interest income | 4,180,000 | 8,764,000 |
| Noninterest income | 296,000 | 950,000 |
| Noninterest expense | 2,850,000 | 5,739,000 |
| Provision for loan losses | -19,000 | 508,000 |
| Pretax income | 1,568,000 | 3,441,000 |
| Income tax | 314,000 | 718,000 |
| Net income | 1,254,000 | 2,723,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 51,923,000 | 53,263,000 |
| Total capital | 55,506,000 | 57,321,000 |
| Risk-weighted assets | 451,911,000 | 435,658,000 |