Mercer Savings Bank (FDIC certificate #30084) is based in Celina, Ohio. Its Q2 2026 call report shows $176.2M in total assets and $146.4M in deposits and 7 offices across 2 states.
Mercer Savings Bank has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 33rd. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (52/100, 0.79%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 11 points (67 → 78), mostly because the loan quality component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 69 |
| Q3 2024 | 67 |
| Q4 2024 | 66 |
| Q1 2025 | 63 |
| Q2 2025 | 67 |
| Q3 2025 | 65 |
| Q4 2025 | 71 |
| Q1 2026 | 77 |
| Q2 2026 | 78 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.06% |
| Q3 2024 | 11.62% |
| Q4 2024 | 11.67% |
| Q1 2025 | 11.71% |
| Q2 2025 | 12.04% |
| Q3 2025 | 12.55% |
| Q4 2025 | 12.66% |
| Q1 2026 | 12.96% |
| Q2 2026 | 13.16% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.31% |
| Q4 2024 | 0.55% |
| Q1 2025 | 0.62% |
| Q2 2025 | 0.53% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.18% |
| Q2 2026 | 0.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.52% |
| Q1 2025 | 0.26% |
| Q2 2025 | 0.58% |
| Q3 2025 | 0.69% |
| Q4 2025 | 0.64% |
| Q1 2026 | 0.80% |
| Q2 2026 | 0.79% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $176.2M | 13.16% | 0.08% | 0.79% | 103.1% |
| Q1 2026 | 77 | $174.2M | 12.96% | 0.18% | 0.80% | 99.8% |
| Q4 2025 | 71 | $174.4M | 12.66% | 0.54% | 0.64% | 100.2% |
| Q3 2025 | 65 | $176.4M | 12.55% | 1.05% | 0.69% | 103.0% |
| Q2 2025 | 67 | $176.0M | 12.04% | 0.53% | 0.58% | 107.0% |
| Q1 2025 | 63 | $180.5M | 11.71% | 0.62% | 0.26% | 108.8% |
| Q4 2024 | 66 | $180.9M | 11.67% | 0.55% | 0.52% | 114.0% |
| Q3 2024 | 67 | $181.8M | 11.62% | 0.31% | 0.50% | 113.1% |
| Q2 2024 | 69 | $176.8M | 12.06% | 0.24% | 0.40% | 110.8% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens Federal Savings and Loan AssociationBank Bellefontaine, OH | 70 out of 100, Strong | $186.1M | 10.9% | 0.03% | vs |
| Valley Central BankBank Liberty Township, OH | 62 out of 100, Moderate | $186.7M | 20.1% | 2.17% | vs |
| Farmers State BankBank West Salem, OH | 72 out of 100, Strong | $187.5M | 9.3% | 0.00% | vs |
| The Peoples Savings BankBank Urbana, OH | 57 out of 100, Moderate | $189.3M | 9.0% | 0.87% | vs |
| The Antwerp Exchange Bank CompanyBank Antwerp, OH | 62 out of 100, Moderate | $161.3M | 9.7% | 0.70% | vs |
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
Deposit insurance
Is my money safe at Mercer Savings Bank?
Yes. Mercer Savings Bank is an FDIC-insured institution (FDIC certificate #30084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.0% of deposits ($8.8M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 19.90% (benchmark: 10%).
7 locations
Branches
Mercer Savings Bank lists 5 offices in 4 cities across 2 states. Most locations:
- Celina, OH (2)
- Berne, IN (1)
- Fort Recovery, OH (1)
- Greenville, OH (1)
Identity & history
Profile
- Legal name
- Mercer Savings Bank
- Type
- State-chartered bank
- FDIC certificate #
- 30084
- RSSD ID
- 661072
- Primary regulator
- FDIC
- Holding company
- Mercer Bcorp Inc
- Established
- January 1, 1888
- Headquarters
- 1100 Irmscher Blvd, Celina, OH 45822
- Website
- www.mercersavings.com
- Employees
- 35
Quick answers
Mercer Savings Bank: common questions
Is Mercer Savings Bank FDIC insured?
Yes. Mercer Savings Bank is an FDIC-insured institution (FDIC certificate #30084). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Mercer Savings Bank's TellerScore?
78 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Mercer Savings Bank ever failed?
There is no failure record for FDIC certificate #30084 in the FDIC failed bank list.
How many branches does Mercer Savings Bank have?
7 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Celina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Superior Credit Union, IncCredit union Lima, OH | 94 out of 100, Very strong | $2.0B | 15.2% | 0.20% | vs |
| The St. Henry BankBank St. Henry, OH | 92 out of 100, Very strong | $435.6M | 13.6% | 0.10% | vs |
| The Peoples Bank Co.Bank Coldwater, OH | 85 out of 100, Very strong | $859.2M | 11.9% | 0.13% | vs |
| Minster BankBank Minster, OH | 79 out of 100, Strong | $811.6M | 10.1% | 0.14% | vs |
| Three Rivers Federal Credit UnionCredit union Fort Wayne, IN | 78 out of 100, Strong | $2.9B | 13.9% | 1.47% | vs |
| First National Bank in New BremenBank New Bremen, OH | 78 out of 100, Strong | $467.1M | 10.8% | 0.17% | vs |