# MERCER SAVINGS BANK
CELINA, OH · FDIC certificate 30084 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 4 (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 | $176.2M | |
| Deposits | $146.4M | |
| Loans and leases | $151.9M | |
| Total equity | $22.9M | |
| Loans / deposits | 103.08% (p94 of band) | 73.59% |
| Liquid assets / assets | 8.71% (p2 of band) | |
| Uninsured deposits / deposits | 5.99% (p5 of band) | 19.81% |
| Brokered deposits | 12.55% | |
| Wholesale funding | 15.39% (p91 of band) | |
| FHLB advances / assets | 2.84% | |
| Tier 1 leverage | 13.16% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | -1.61% (p72 of band) | -6.57% |
| AOCI / equity | 0.03% (p86 of band) | |
| ROA (annualized) | 0.79% (p30 of band) | 1.17% |
| Net interest margin | 4.53% (p77 of band) | 3.93% |
| Efficiency ratio | 78.42% (p76 of band) | |
| Noncurrent loans | 0.08% (p33 of band) | 0.36% |
| Net charge-offs (annualized) | 0.02% (p73 of band) | |
| Reserve coverage of noncurrent | 708.59% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 31.03% (p65 of band) | |
| Auto loans | $9.4M (6.19% of loans; DQ 3.77%, NCO 0.02%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 35 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | securities losses >30% of equity, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 4 | capital falling, losing money |  |
| 2011-12 | 2 |  | capital falling, losing money |
| 2012-03 | 4 | losing money, expense ratio p90, uninsured deposits leaving | securities losses >30% of equity |
| 2012-06 | 1 |  | losing money, expense ratio p90, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 3 | deposits shrinking, assets shrinking |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 3 |  |  |
| 2014-03 | 3 | losing money, expense ratio p90 | deposits shrinking, assets shrinking |
| 2014-06 | 2 |  | losing money |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 | capital falling | expense ratio p90 |
| 2015-06 | 3 | expense ratio p90 |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 2 |  | capital falling |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 4 | uninsured deposits leaving |  |
| 2016-09 | 1 |  | expense ratio p90, charge-offs p90, uninsured deposits leaving |
| 2016-12 | 2 | uninsured deposits leaving |  |
| 2017-03 | 1 |  | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | loans exceed deposits, capital falling |  |
| 2018-09 | 4 | uninsured deposits leaving |  |
| 2018-12 | 3 |  | capital falling |
| 2019-03 | 1 |  | reserve under noncurrent, uninsured deposits leaving |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | liquid assets <10% |  |
| 2020-03 | 1 |  | liquid assets <10% |
| 2020-06 | 0 |  | loans exceed deposits |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | charge-offs p90 |  |
| 2021-06 | 1 | capital falling | charge-offs p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | capital falling |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | loans exceed deposits, deposits shrinking |  |
| 2023-12 | 1 |  | deposits shrinking |
| 2024-03 | 2 | capital falling |  |
| 2024-06 | 3 | wholesale funding >15% |  |
| 2024-09 | 4 | liquid assets <10% |  |
| 2024-12 | 4 | uninsured deposits leaving | capital falling |
| 2025-03 | 7 | brokered >10%, charge-offs p90, reserve under noncurrent |  |
| 2025-06 | 5 |  | charge-offs p90, reserve under noncurrent |
| 2025-09 | 6 | reserve under noncurrent |  |
| 2025-12 | 4 |  | uninsured deposits leaving, reserve under noncurrent |
| 2026-03 | 3 | charge-offs p90 | loans exceed deposits, wholesale funding >15% |
| 2026-06 | 4 | loans exceed deposits, wholesale funding >15% | charge-offs p90 |

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

- 2025-10-08 [Mercer Savings Berne, Indiana Branch Celebrates Grand Opening - Mercer County Outlook](https://news.google.com/rss/articles/CBMipwFBVV95cUxOYkFPc3RTckx6OHVxdWVNTHByODF5eGpwVGRxZWdMaGpMZ2FFUlZjSExZUjhuRmJMUEFEaGhYWHB5X2hob1laNzYwZWFqX2hoRVJvd1Bsal9ONUNadldtM3VsbkMyb2dTTHZ4eU5WZWttSjJkc3RvcnhweUxqSllUWEJWcFFxYi1hS3FwUVhzMVVhZlJ1Nk9EY3RPUDRPMWpTdlFDejV1RQ?oc=5) · Mercer County Outlook
- 2018-10-29 [Mercer Savings Bank donates to charitable organizations - dailyadvocate.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdVYwZjRUYmJFaHVMaXYyRFJYbjJnQUs5X1ZWSDllZ0wxVktHTDJyM2VsRC1ubl9HUEhSSG1jVVlYWksxMUM2LThHT254NWdVb09OdzFZWGpIbTFaZW15NV9pdDZ0OFBTREVCSmllcTJmbG5XSjQydGExZ0xWQ09LNjNaenVHSUJCcTRXUVk5c2R2elpiRVZwUHlQVEZydVpa?oc=5) · dailyadvocate.com
- 2025-02-07 [Greenville Police Blotter – February 7, 2025 - mycountylink.com](https://news.google.com/rss/articles/CBMidkFVX3lxTFA1N0Qyd1k4UUlzRWZUcVBYY0gxT1ZPZUtnaktYTVNKSk92enU0S3J5TGxaRnY4eWxmQkhzMWZsTGtzZGJ5WW9KT2tYVEhqQmhMRXRNdnRlVkh3VDR0MHNkQ05iZ3FmdGs1SkM2Q1kxX3ZVa3ZmcGc?oc=5) · mycountylink.com
- 2026-03-02 [Michael Charles Snyder Obituary Mar 2, 2026 - Baird Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFB0T29oN3BXMW9BSWl3UHBjLXNqeHVSQ2Z5YTNyOFFlaTRvVjN5dlptel9QY2dya1hDekprTW5IM2Z2bndNckdqcjhVMVFtYjAybnlYSnRiQUItc2kzTHcyYm1XY3VJSXh1Q3c?oc=5) · Baird Funeral Home
- 2022-10-09 [Celina Police Department to hold ‘Shop with a Cop’ program in December - WHIO TV](https://news.google.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?oc=5) · WHIO TV
- 2025-11-19 [ST. HENRY WINS THE 37th ANNUAL MERCER SAVINGS BANK MAC SCHOLASTIC BOWL HELD AT THE MERCER COUNTY EDUCATIONAL SERVICE CENTER - Mercer County Outlook](https://news.google.com/rss/articles/CBMi-gFBVV95cUxQOEh2c0ZVUHdGZS1yRGFFQjZ2Z25zSXBFU2hYeDcwVFpjZER4Yk1tQ2hJclByM2Vtb0t5Zkh4TWtrSDZWb0dBWlhxMjhhbGNad0JOWmNtRG9taXlNNHQ0aXhWZ1dUOGZHbmpJZ3o2UW1vS2dQZ3Y4Sko4Q3ctcU9vakI1YmdQcUd6QzJVTk5tUUVBcmpmSU9EbzFaTWlSQTBjck5EREk2ZlVnbV9IM3dnUmNfVk9wdUVGd04wOVp4SzE1d1k4MnI3c1UxOWhRVXNzcEZsTmI4V0t4LXVCNXQtYlNzNTZuMUJUZ1lCWm16MXgyMUxzSm04NmlR?oc=5) · Mercer County Outlook
- 2019-01-09 [Mercer Savings Bank donates to charitable organizations - dailyadvocate.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdU1hd19zekh3V19LbTg1ZHBvQTZrRE9uUjdhOVpTbTBGb1NaTEtXTWxKYm5nRFFmZmhRQkVSRzBVRFJ4N0F1elR6NG9SRFV4cWJSM1Iyd0RVMHgyQ1o2cjR6OWRHTWd3eUJRRzhhWUp6bE1CTjZKV25qLTU4MTQ1UUFXMmZjVTd1WS00bzd2bHpCS3Z6MUpRdDJvWHByVGxG?oc=5) · dailyadvocate.com
- 2024-02-22 [Mosier retires from MSB board - dailyadvocate.com](https://news.google.com/rss/articles/CBMie0FVX3lxTE5HM2tjTV9aZVdwNThKeksxdk5OYy1jV08wWE1Eb3kzNENjSUxVYVVRNVlzdmVvam5aV1JLcW4tZl9pdk5ST3JWRXVlYzhnRVNOU2ZJMGFXVXRuRGFld0swamNxVVFYWXVfMnBZRzk0SGp4Q2ktSXhfUU5IYw?oc=5) · dailyadvocate.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30084 (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/4.json (key "30084", 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