MERCER SAVINGS BANK
CELINA, OHIO · FDIC Cert #30084
Capital & Safety Analysis
According to FDIC financial data, MERCER SAVINGS BANK holds a Tier 1 capital ratio of 15.93%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MERCER SAVINGS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MERCER SAVINGS BANK shows strong financial health indicators. With $177M in assets and a Health Score of 73/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MERCER SAVINGS BANK has a Bank Health Score of B (73/100). It holds a Tier 1 capital ratio of 15.93%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MERCER SAVINGS BANK holds $177M in total assets and $135M in total deposits. It is located in CELINA, OHIO (FDIC Certificate #30084).
MERCER SAVINGS BANK has a Tier 1 capital ratio of 15.93%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.24%, and the return on assets is 0.47%.
Yes. MERCER SAVINGS BANK is FDIC-insured (Certificate #30084). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.