Call report 2025Q4
MERCHANTS NATIONAL BANK — 2025Q4
The 22 measures MERCHANTS NATIONAL 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 | 1,320,880,000 | USD | evidence → |
| Total loans | 972,728,000 | USD | evidence → |
| Allowance for loan losses | 11,311,000 | USD | evidence → |
| Securities available for sale | 132,175,000 | USD | evidence → |
| Securities held to maturity | 41,570,000 | USD | evidence → |
| Trading assets | 0 | USD | evidence → |
| Total deposits | 1,131,307,000 | USD | evidence → |
| Interest-bearing deposits | 895,212,000 | USD | evidence → |
| Noninterest-bearing deposits | 236,095,000 | USD | evidence → |
| Equity capital | 120,160,000 | 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 | 62,890,000 | USD | evidence → |
| Interest expense | 20,096,000 | USD | evidence → |
| Net interest income | 42,794,000 | USD | evidence → |
| Noninterest income | 6,376,000 | USD | evidence → |
| Noninterest expense | 31,175,000 | USD | evidence → |
| Provision for loan losses | 0 | USD | evidence → |
| Pretax income | 17,995,000 | USD | evidence → |
| Income tax | 3,617,000 | USD | evidence → |
| Net income | 14,378,000 | USD | evidence → |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | Value | Unit | Source |
|---|---|---|---|
| Tier 1 capital | 111,695,000 | USD | evidence → |
| Total capital | 123,052,000 | USD | evidence → |
| Risk-weighted assets | 948,086,000 | USD | evidence → |