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Mechanics Bank
Mansfield, OH · FDIC Certificate #29011 · Chartered 01/0
Total assets
$896.44M
Total deposits
$790.24M
Total equity
$70.08M
Net loans
$733.75M
Branches (offices)
10
Net income (YTD)
$3.18M
Rank: #1,144 of 4,213 U.S. banks by assets · #39 of 155 in Ohio. Assets changed 9.2% and deposits 5.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 9.14% |
| Net interest margin (YTD) | 3.38% |
| Equity to assets | 7.82% |
| Tier 1 leverage ratio | 8.44% |
| Uninsured deposits (share of deposits) | 6.9% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 92.9% |
| Real estate loans (share of loans) | 97.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $715.62M | 97.5% | |
| Commercial & industrial | $14.79M | 2.0% | |
| Consumer / individual | $5.16M | 0.7% | |
| Construction & development | $10.44M | 1.4% | |
| Agricultural | $3.99M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $798.04M | $742.39M | $3.09M | $53.56M |
| Jun 2023 | $782.31M | $723.65M | $3.11M | $56.39M |
| Jun 2024 | $820.51M | $756.53M | $2.14M | $61.20M |
| Jun 2025 | $820.93M | $751.57M | $2.50M | $65.66M |
| Jun 2026 | $896.44M | $790.24M | $3.18M | $70.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $790.24M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $790.24M.
Similar-sized banks
Fortress Bank ($897.17M) · Mountain Pacific Bank ($896.43M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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