The Merchants National Bank
The Merchants National Bank is an FDIC insured institution headquartered at
100 N High St, Hillsboro, OH 45133.
Deposit Rates -
August 24, 2026
SAVINGS RATES
APY
MIN
Savings
0.05% $2,500
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CD RATES
APY
MIN
6 Mo CD
0.05% $10,000
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6 Mo CD
0.05% $100,000
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12 Mo CD
0.10% $10,000
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12 Mo CD
0.10% $100,000
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Special: 13 Mo CD
0.20% $1,000
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18 Mo CD
0.15% $10,000
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18 Mo CD
0.15% $100,000
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24 Mo CD
0.15% $10,000
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24 Mo CD
0.15% $100,000
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30 Mo CD
0.15% $10,000
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30 Mo CD
0.15% $100,000
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Special: 36 Mo CD
0.40% $1,000
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36 Mo CD
0.40% $10,000
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36 Mo CD
0.40% $100,000
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48 Mo CD
0.45% $10,000
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48 Mo CD
0.45% $100,000
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Special: 60 Mo CD
0.65% $1,000
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60 Mo CD
0.65% $10,000
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60 Mo CD
0.65% $100,000
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MM RATES
APY
MIN
Money Market
0.05% $2,500
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Money Market
0.10% $10,000
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Money Market
0.10% $25,000
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FIXED IRA RATES
APY
MIN
Special: 13 Mo FIRA
0.20% $1,000
Special: 36 Mo FIRA
0.40% $1,000
Special: 60 Mo FIRA
0.65% $1,000
VARIABLE IRA RATES
APY
MIN
Var IRA
0.05% $1
INT CHECKING RATES
APY
MIN
Int Ckg
0.05% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 6605
Date Established
1879
Assets
$ 1,320.88 million
Loans
$ 961.42 million
Deposits
$ 1,131.31 million
Capital
$ 120.16 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 122.61 million
Interest-bearing balances
$ 107.54 million
Total securities
$ 173.75 million
Federal funds sold and reverse repurchase
$ 0.71 million
Net loans and leases
$ 961.42 million
Loan loss allowance
$ 11.31 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 13.06 million
All other assets
$ 31.52 million
Total Assets $ 1,200.72 million
LIABILITIES
Total deposits
$ 1,131.31 million
Interest-bearing deposits
$ 895.21 million
Deposits held in domestic offices
$ 1,131.31 million
% insured (estimated)" 75.81%
Federal funds purchased and repurchase agreements
$ 5.89 million
Trading liabilities
N.A.
Other borrowed funds
$ 2.27 million
Subordinated debt
N.A.
All other liabilities
$ 9.07 millionn
Total Liabilities $ 1,200.72 million
Shareholders’ Equity $ 120.16 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 62.89 million
Total Interest Expense
$ 20.10 million
Net interest income
$ 42.79 million
Provision for loan and lease losses
N.A.
Total non interest income
$ 6.38 million
Total non interest expense
$ 31.18 million
Pre-tax Net Operating Income
$ 8.72 million
Customer Reviews for The Merchants National Bank
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