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Merchants National Bank

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Responsible banking

Environmental responsibility

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Some evidence found of sustainable banking practices.Based on Bank.Green's evaluation
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Social impact

Where its loans go
Largest: homes, 37%
3 highlights
  • Above-average small business lending15% of its loans, compared with 11% for community banks
  • Above-average home lending37% of its loans, compared with 27% for community banks
  • Above-average farm lending22% of its loans, compared with 8% for community banks
From its public filings with the FDIC
See its social impact

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From public data

Social impact

Who Merchants National Bank lends to and where its deposits are held.

  • Above-average small business lending15% of its loans, compared with 11% for community banks
  • Above-average home lending37% of its loans, compared with 27% for community banks
  • Above-average farm lending22% of its loans, compared with 8% for community banks

Where its loans go

Its largest lending area is homes, at 37% of its loans.

Merchants National Bank
Community banks, for comparison
  • Homes 37%Community banks: 27%Mortgages and home equity loans on houses and other homes with one to four units.
  • Apartment buildings 3%Community banks: 8%Loans secured by apartment buildings with five or more homes.
  • Business and commercial property 30%Community banks: 43%Loans to businesses, and loans secured by offices, shops, warehouses and other commercial property.
  • Construction and land 5%Community banks: 8%Loans to build homes and other buildings, and to buy and prepare land for development.
  • Farms 22%Community banks: 8%Loans secured by farmland, and loans to farmers for crops, livestock and equipment.
  • Consumer loans (cars, cards, personal) 2%Community banks: 3%Car loans, credit card balances and other personal loans to households.
  • Other 1%Community banks: 3%All other lending, such as loans to other financial institutions, loans to governments and leases.
86%Loans as a share of depositsIts total loans divided by the deposits it holds. A higher share means more of its deposits are lent out. Above 100% means it also lends money raised in other ways.

Where its deposits are held

Share of its deposits held at branches in each state, across 17 offices, as of 30 June 2026.

By state

  1. Ohio100%

Largest places

  1. Hillsboro, OH34%
  2. Washington Court House, OH17%
  3. Logan, OH13%
  4. London, OH9%
  5. Greenfield, OH7%

This view is based on public information, including Merchants National Bank's quarterly filings with the FDIC (The Merchants National Bank, FDIC certificate 6605), the FDIC's Summary of Deposits and the CDFI Fund's list of certified institutions, as of 30 June 2026. Banks are compared with banks, and credit unions with credit unions. The lending figures show the loans held at the end of the quarter, so loans already sold are not included. This view is separate from the environmental responsibility rating and does not change it. It may be out of date, so please confirm details with the institution.