Merit Bank

BankHuntsville, Alabama
https://www.meritbank.com

Total Assets

$509.7M

Total Deposits

$413.1M

Branches

1

Established

1935

TFS Health Grade

$
C-

71.8 / 100

Average financial health

How we grade

Merit Bank is a bank headquartered in Huntsville, Alabama, established in 1935. With $509.7M in total assets and 1 branch locations, it has a TFS Financial Health Grade of C- (71.8/100).

Capital & Safety

Tier 1 Capital Ratio
10.21%(8%)
Total Capital Ratio
13.98%(10%)
Non-Performing Loan Ratio
0.29%

Profitability

Return on Assets (ROA)
0.66%(1%)
Return on Equity (ROE)
7.09%(10%)
Net Interest Margin
3.14%
Efficiency Ratio
65.43%(60%)

Lending & Liquidity

Total Loans
$353.3M
Loan-to-Deposit Ratio
84.66%
Net Charge-Off Ratio
0.41%

Growth

Asset Growth (YoY)
+17.58%
Deposit Growth (YoY)
+16.36%
Net Income
$3.1M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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