Here are the 10-K annual reports from Mercer Bancorp Inc (MSBB) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow MSBB and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full MSBB filings page.
Mercer Bancorp, Inc., the holding company for Mercer Savings Bank, reports a community banking profile focused on western Ohio and eastern Indiana. As of September 30, 2025, the company had $176.2 million in total assets, $144.0 million in deposits and $24.6 million in stockholders’ equity.
Loans are the core of the balance sheet, with net loans of $142.3 million, or 80.8% of total assets. The portfolio is concentrated in one- to four-family residential mortgages at $78.8 million (54.7% of total loans) and agricultural real estate at $46.3 million (32.2%). Consumer credit includes a growing indirect auto program, with $4.1 million of indirect auto loans held for investment and $8.1 million held for sale.
Credit quality metrics show non-performing assets of $1.35 million, equal to 0.77% of total assets, and non-performing loans of $715,533, or 0.94% of total loans. The allowance for credit losses on loans was $960,307, representing 0.67% of total loans, after a $66,000 provision and modest net charge-offs, primarily in consumer loans.