Bank · FDIC insured
Mercer Savings Bank
A $176.2M bank headquartered in Celina, OH, with 5 branches in 2 states. Best rates: CDs 3.75% and savings 0.07% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: not enough terms or balances published to score. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs—3.75%CD rates →
- Savings663.10%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Mercer Savings Bank
Mercer Savings Bank is dedicated to serving the people of Mercer and Darke counties with financial products and services.
- Headquarters
- 1100 Irmscher Blvd, Celina, OH 45822
- FDIC certificate
- 30084 ↗
Branches
5 branches in 2 states
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Ohio
4 branches
Celina area · 3
- Mercer Savings BankMain office1100 Irmscher Blvd, Celina, OH 45822Directions
- Celina Branch217 W Market St, Celina, OH 45822Directions
- 120 North Wayne St Branch120 N Wayne St, Fort Recovery, OH 45846Directions
Greenville area · 1
- 123 East Main Street Branch123 E Main St, Greenville, OH 45331Directions
Indiana
1 branch
- Mercer Savings Bank Branch1205 Us Highway 27 N, Berne, IN 46711Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 13.16% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.08% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.79% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $104 | $81 | — |
- CapitalLeverage ratio13.16%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.08%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.79%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$104Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Mercer Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.