# FIRSTMERIT BANK NA
AKRON, OH · FDIC certificate 13675 · asset band $10-100B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $26.16B | |
| Deposits | $21.07B | |
| Loans and leases | $16.34B | |
| Total equity | $3.19B | |
| Loans / deposits | 76.81% (p26 of band) | 89.06% |
| Liquid assets / assets | 28.10% (p66 of band) | |
| Uninsured deposits / deposits | 29.76% (p43 of band) | 33.19% |
| Brokered deposits | 5.91% | |
| Wholesale funding | 10.44% (p43 of band) | |
| FHLB advances / assets | 1.79% | |
| Tier 1 leverage | 9.34% (p47 of band) | 9.55% |
| Unrealized securities loss / equity | 2.39% (p51 of band) | 2.35% |
| AOCI / equity | 1.56% (p76 of band) | |
| ROA (annualized) | 0.93% (p49 of band) | 0.94% |
| Net interest margin | 3.30% (p57 of band) | 3.17% |
| Efficiency ratio | 62.20% (p56 of band) | |
| Noncurrent loans | 1.13% (p70 of band) | 0.84% |
| Net charge-offs (annualized) | 0.14% (p64 of band) | |
| Reserve coverage of noncurrent | 81.17% | |
| Real estate % of loans | 38% | |
| Construction % of loans | 17.20% (p49 of band) | |
| Auto loans | $1.58B (9.68% of loans; DQ 0.86%, NCO 0.03%) | |
| Loans to nondepository financials | $0 (0% of equity) (p17 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 3844 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2013-04-12 [FirstMerit Completes Acquisition of Citizens Republic Bancorp - PR Newswire](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNUV9pRzhsMlc0dHdGRW5VYjhSOHlQc0R6S3c0QjNNeURjYnI1MVhLdThNWnRwY1cwYTJnNGtlaGlnYUdLTkZKdlpvdmx4dVlHYXhPdHo1aFpfZUl4ZThRTUZ1bE5zX19ZQWtoMzlwVVpJMVptQzBfeUFZRXFLVGhSa1hUSlZERmowNXJqLWt6MXRxdjFjTmRKcEhENGFfN2diZC04NUpGS2FURW8wdkM1aUtST2pDS2c1?oc=5) · PR Newswire
- 2015-09-30 [MBA Adds 14 New Members in August - National Mortgage Professional](https://news.google.com/rss/articles/CBMiigFBVV95cUxQUTZtcjZ0SG9ubUhZVEloSElhQU52ZFpHcVEtbUJBeVNsdmhCSWR6NGotZEVPY0cwSnNfLUN2SWVUMjVGUXpmenlEcjVYQ0pDTUxSYUh4dWFZRFhGMVIwTFJJWWFGUDFOMGJVdjZBdUQ1SS1aTWpLckd5NlFlM3BOQUFtellwU1RxVUE?oc=5) · National Mortgage Professional
- 2010-05-15 [FDIC Shuts Midwest Bank and Trust, 3 Others - CBS News](https://news.google.com/rss/articles/CBMifEFVX3lxTFB2Z1NhcmRoSGtNeGF5UkZyQ3l2UnNhV0hPQi1WenpPazlxaHNZS2FubVdWaFViWlJnU3FhNW1YdmxIeDRYb29fbkhUSTR6a2hiQmtOWlQ4SUluSmItVzk5YnU4YkV0NFZDWUtfaUd6cHM2SWZDNGZDSDc0cEE?oc=5) · CBS News
- 2025-05-15 [Michigan’s Biggest Banks - Bridge Michigan](https://news.google.com/rss/articles/CBMibEFVX3lxTE1yaF9SOG1TN1kxbXE3bmxJMl9sUUw2UUpWMWhGQnVFYkdxZUluR0lnY3FMelFCLUtDZ2dBSTNGMnBoTXJ2aXpEbUZOdVpIa3U0d19KNmhnRlJSdE5IT05FS1hPUmZxM3J4T1Y3bg?oc=5) · Bridge Michigan
- 2017-01-13 [Mark Grescovich - American Banker](https://news.google.com/rss/articles/CBMiY0FVX3lxTE8wc21OLUFad1RxbDl1Z29SMnc0XzkxRGZoWk1CVFZKU3VBZ01WU29OdUxubWFBMGc1VVllLWdpUmNEemxST3BUUU96bDZTLUVaU0dzNFdzRlljNVJOVWQtWlNGbw?oc=5) · American Banker
- 2011-02-18 [Jacquelyn F Hilder Obituary Feb 18, 2011 - The Billow Funeral Homes & Crematory](https://news.google.com/rss/articles/CBMib0FVX3lxTE9LWXV1YWw5dXZBZVU4QXpIZjAtOUMzUmpkZEJLY05iR0RvazRRTXR0Sk1rWWdVcjlfNlVadkJfaVNCNkRMU1lSQkVuVnhKTFpTSlh2MUdJMXoyZng2V2ZTa0Y2QVRxLW9jbGtTeVR3MA?oc=5) · The Billow Funeral Homes & Crematory
- 2015-09-22 [Sandy Pierce, vice chairman of FirstMerit Corporation, named one of American Banker's 2015 Most Powerful Women in Banking - PR Newswire](https://news.google.com/rss/articles/CBMihAJBVV95cUxNVTBaTUJ4cmpXdjJXRWdtdEE5MENEVFJpb0YyWlRlSHU3Q0JYVDVXUGxrUGZlcGlra2ozeWgwUDAwNENwczdKRk5MTjh5ek9kTTd1S2V3MjM1SkZYcUVMMUNGNWtLYThsdFUtaUUwRV9qM2FTT1ZNVU9XWEg0dUJ2Z1lLQjVJTlVBeVlnQUp0bUVra2JGXzdONTc4N3MwRF9DOVkwMWl5NmlWSFBNZUkxeGlNTVdaNzZwNVh0RFNHRGtmb1dZZ0xGNDRXdEFIeUt6SHM4UGtjMmdxT19YWUpFdThXX3lrNEZyQWxBWmYyRlVZWmV3ejJrbzlVUTlSZmpQNXFkbg?oc=5) · PR Newswire
- 2010-04-06 [Photo Release -- Banner Corporation Names Mark J. Grescovich President - GlobeNewswire](https://news.google.com/rss/articles/CBMi1wFBVV95cUxONVF5TDBLaExodVI4MG1tZ3I0dU1tQ044RWh3aXpRVzdFa0hhQ0Mwbl9seFEtTHE5eVdSWC1veUg2dkRrWV9KeEtkSUJGYUppSTFaYTZBRE0yQXZrZ2R1OG5Ec0kwYXVjZEI0WmZybFhudWlsNkNNbG9NZjRZV2hxQTVERlhTVFZDaGF3TDFrbXB5UE9FcUxxbjZBVU93MnEzYmpXMll5MWJpQlJhMEgtc2ZBSXgzaUVyeG1mVkUxMF9wbkxBNFUxRHVUemo0d1ZPVHVmX2tzMA?oc=5) · GlobeNewswire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13675 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/43.json (key "13675", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide