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The Merchants National Bank of Sacramento

The Merchants National Bank of Sacramento
Overview / Commentary
1015 Seventh Street
Sacramento, CA 95814

The Merchants National Bank of Sacramento is headquartered in Sacramento and is the 146th largest bank in the state of California. It is also the 3,169th largest bank in the nation. It was established in 1921 and as of March of 2014, it had grown to 17 employees at 4 locations. The Merchants National Bank of Sacramento has a B+ health rating.

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Health

Data for Q1 2014

Institution Health

B+

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Merchants National Bank of Sacramento had $0 in non-current loans and owned real-estate with $19.86 million in equity and loan loss allowances on hand to cover it. This gives The Merchants National Bank of Sacramento a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
C-

In the past year, The Merchants National Bank of Sacramento has decreased its total deposits by -$5.91 million, resulting in -3.34% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Merchants National Bank of Sacramento has shown is below average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Merchants National Bank of Sacramento has $190.48 million in assets with $19.86 million in equity, resulting in a capitalization level of 10.42%, which is above average.

Institution Statistics

Overall
FDIC Certificate #3502
Year Established1921
Employees17
Primary RegulatorOCC
Assets and Liabilities
Assets$190.48 million
Loans$56.38 million
Deposits$170.84 million
Equity Capital$18.71 million
Loan Loss Allowance$1.14 million
Real Estate Owned$0
Historic Data - March 2013
Assets$197.65 million
Equity Capital$19.69 million
Loan Loss Allowance$1.11 million
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin2.72%
Return on Assets0.86%
Return on Equity9%
Interest Income$1.36 million
Rates

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Locations


The Merchants National Bank of Sacramento Locations
Mnb Mobile Branch1015 7th StreetSacramento, CA 95814
Mnb Mobile Branch1015 7th StreetSacramento, CA 95814
The Merchants National Bank Of Sacramento1015 Seventh StreetSacramento, CA 95814
Merchants National BranchSacramento, Yolo and Placer CountiesSacramento, CA 95814