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Merrick Bank

South Jordan, UtahFDIC Cert #34519

STATEEstablished 19971 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
3.37%
−2.1%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET + LNLSGR
90+ %
3.45%
−0.8%y/y
Peer standing33rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + LNLSGR
Nonaccrual %
0.48%
−1.1%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET + LNLSGR
Noncurrent %
3.93%
−0.9%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
3.78%
+42.6%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$338M
+43.0%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
12.66%
−8.0%y/y
Peer standing0th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + LNLSGR
NCO
$259M
+36.4%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
15.37%
−5.7%y/y
Percentile by value100th percentileby value
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICLNATRES + LNLSGR
30–89
$290M
+41.3%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP3ASSET
90+
$297M
+43.1%y/y
Peer standing83rd percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICP9ASSET
Nonaccrual
$41.2M
+42.7%y/y
Peer standing67th percentile
Peer standing in FFIEC UBPR Peer Group 201 — Credit card specialty banks having assets greater than $ 3 billion
FDICNAASSET