Call reports 2026
MERCHANTS NATIONAL BANK — 2026
What MERCHANTS NATIONAL 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 | 1,338,064,000 | 1,266,936,000 |
| Total loans | 947,618,000 | 952,130,000 |
| Allowance for loan losses | 11,302,000 | 11,306,000 |
| Securities available for sale | 122,265,000 | 116,152,000 |
| Securities held to maturity | 41,570,000 | 41,570,000 |
| Trading assets | 0 | 0 |
| Total deposits | 1,170,914,000 | 1,107,452,000 |
| Interest-bearing deposits | 959,190,000 | 858,819,000 |
| Noninterest-bearing deposits | 211,724,000 | 248,633,000 |
| Equity capital | 122,964,000 | 121,270,000 |
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 | 15,151,000 | 30,342,000 |
| Interest expense | 4,344,000 | 8,014,000 |
| Net interest income | 10,807,000 | 22,328,000 |
| Noninterest income | 1,628,000 | 3,244,000 |
| Noninterest expense | 8,009,000 | 16,000,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 4,426,000 | 9,572,000 |
| Income tax | 869,000 | 1,894,000 |
| Net income | 3,557,000 | 7,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2026Q1 | 2026Q2 |
|---|---|---|
| Tier 1 capital | 114,708,000 | 112,959,000 |
| Total capital | 126,055,000 | 124,311,000 |
| Risk-weighted assets | 939,254,000 | 941,579,000 |