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MSBB on OTC

Mercer Bancorp, Inc.

Mercer Bancorp, Inc. is a savings institutions company based in Celina, listed on OTC (MSBB).1

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Last updated Oct 21, 2026.

Overview

$972.3KNet income, fiscal 20252

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  • TickerMSBB on OTC1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersCelina, Ohio1
  • Business address1100 Irmscher Blvd, Celina, Oh 458223
  • Filer category, Emerging growth company3

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These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. We are under no duty to and do not take any obligation to update any forward-looking statements after the date of this Annual Report on Form 10-K.4 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

Key numbers, fiscal 2025

3.9%Return on equity2
-$938.3KFree cash flow2

Financial statements

Net income562$972.3K in 2025+3% since 2022
0$250.0K$500.0K$750.0K$1.0M2022: $943.6K$943.6K20222023: $744.0K$744.0K2023−21%2024: $692.7K$692.7K2024−7%2025: $972.3K$972.3K2025+40%

Every line of the income statement as filed: the last 2 fiscal years, latest first.2

Period ending2025-09-302024-09-30
Loans$8.8M$7.6M
Investment securities$337.0K$314.0K
Interest-bearing deposits and other$289.4K$342.2K
Total interest income$9.4M$8.2M
Deposits$1.8M$1.7M
Federal Home Loan Bank advances$791.7K$800.6K
Total interest expense$2.6M$2.5M
Net Interest Income$6.8M$5.7M
Provision for Credit Losses$66.0K$68.0K
Net Interest Income After Provision for Credit Losses$6.7M$5.6M
Service fees on deposits$227.8K$325.1K
Late charges and fees on loans$123.7K$208.8K
Gain on sale of loans$26.9K
Loan servicing fees$35.1K$38.6K
Gain on sale of investments$4.3K
Gain on sale of foreclosed real estate$7.0K$26.3K
Bank owned life insurance$47.3K$63.7K
Other income$37.0K$179.2K
Total noninterest income$504.8K$845.9K
Salaries and employee benefits$2.7M$2.5M
Directors fees$84.0K$81.4K
Occupancy and equipment$556.3K$506.1K
Data processing fees$856.1K$645.7K
Franchise taxes$140.7K$134.2K
FDIC insurance premiums$81.0K$73.9K
Professional services$535.1K$507.3K
Deposit account services expense$189.4K$277.1K
Advertising$93.2K$125.6K
Loan expenses$264.6K$288.8K
Other$504.8K$477.9K
Total noninterest expense$6.0M$5.6M
Income before income taxes$1.2M$858.4K
Provision for income taxes$255.4K$165.7K
Net Income$972.3K$692.7K
Earnings per share, basic$1.03$0.73
Earnings per share, diluted$1.02$0.73

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Corporate structure

Mercer Bancorp, Inc. sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of Mercer Bancorp, Inc.

  • Mercer Bancorp, Inc. Celina, Ohio

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What Mercer Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$9.7M2 Sep 30, 2025$6.9M2 Sep 30, 2024+41.0%
Accumulated depreciation$4.5M2 Sep 30, 2025$4.1M2 Sep 30, 2024+9.4%
Property and equipment, net$5.2M2 Sep 30, 2025$2.7M2 Sep 30, 2024+88.6%

Investments

ItemLatestA year beforeChange
Cash and cash equivalents$5.4M2 Sep 30, 2025$5.9M2 Sep 30, 2024−9.1%
Loans, net of allowance$142.3M2 Sep 30, 2025$145.1M2 Sep 30, 2024−1.9%
Deposits held (banks)$144.0M2 Sep 30, 2025$134.6M2 Sep 30, 2024+7.0%

Properties, in its own words

At September 30, 2025, the net book value of our properties (including furniture, fixtures and equipment) was $5.2 million. We conduct our operations from our main office in Celina, Ohio, three branch offices in Celina, Fort Recovery and Greenville, Ohio, and one branch office in Berne in eastern Indiana. We own all of our branch office properties.

Item 2 of the 10-K filed Dec 19, 2025.4

Leadership

Who has led Mercer Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Alvin B. Parmiter2023–2025

President

  1. Alvin B. Parmiter2023–2025
2025
Board members and other officers (10)

Timeline

  1. Aug 3, 20268-K Other events19
  2. Feb 20, 20268-K Shareholder vote20
  3. Jun 20, 20258-K Change of auditor21
  4. Feb 26, 20258-K Shareholder vote22
  5. Dec 18, 20248-K Results of operations; Other events23
  6. Jul 10, 20248-K Executive or director change24
  7. May 15, 20248-K Earlier financial statements no longer reliable25
  8. Feb 21, 20248-K Shareholder vote26
  9. Jan 17, 20248-K Executive or director change; Bylaws or fiscal year changed; Other events27
  10. Nov 28, 20238-K Other events28
  11. Jul 26, 2023New chief executive Alvin B. Parmiter becomes CEO9
  12. Jul 26, 20238-K Other events29
  13. Jul 21, 20238-K Other events30

Calendar

When it reported results

  1. Dec 18, 2024Reported quarterly or annual results23

Upcoming dates from Nasdaq's calendar; past results from the company's 8-K filings (Item 2.02). The full markets calendar

Filings

73 filings to the SEC since October 2021: 3 annual reports, 11 quarterly reports, 13 major events, 20 insider forms, 3 large holders, 23 other. The latest 20:

  1. Aug 10, 202615-12G EDGAR
  2. Aug 10, 2026S-8 POS POST EFFECTIVE AMENDMENT NO. 1 TO S-8 EDGAR
  3. Aug 3, 20268-K CURRENT REPORT FILING EDGAR
  4. May 12, 202610-Q EDGAR
  5. Feb 20, 20268-K EDGAR
  6. Feb 13, 202610-Q EDGAR
  7. Feb 6, 2026SCHEDULE 13G/A EDGAR
  8. Jan 13, 2026ARS EDGAR
  9. Jan 13, 2026DEF 14A EDGAR
  10. Dec 19, 202510-K EDGAR
  11. Aug 14, 202510-Q EDGAR
  12. Jun 20, 20258-K MERCER BANCORP, INC. FORM 8-K JUNE 17, 2025 EDGAR
  13. May 15, 202510-Q EDGAR
  14. Apr 3, 20254 EDGAR
  15. Apr 3, 20254 EDGAR
  16. Apr 3, 20254 EDGAR
  17. Apr 3, 20254 EDGAR
  18. Apr 3, 20254 EDGAR
  19. Feb 28, 20254 EDGAR
  20. Feb 28, 20254 EDGAR

The 73 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Barry Parmiter$201.4K$521.5K32
2025Trever A. Bransteter$90.8K$302.9K32
2025Timothy L. Bigham$84.3K$213.7K32
2024President and Chief Executive Officer$195.0K$241.8K32
2024Senior VicePresident of Mortgage Lending$87.6K$207.9K32

SEC filer profile

How Mercer Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARMercer Bancorp, Inc.1
  • CIK0001967306
  • Employer ID (EIN)92-34524694
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company4
  • Incorporated inMaryland4
  • Fiscal year endsSeptember 301
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1100 Irmscher Blvd, Celina, OH 458221
  • Phone(419) 586-51581
  • Shares outstanding1,013,303 as of May 11, 20268
  • Public float$14.2M as of Mar 31, 20254
  • AuditorClark, Schaefer, Hacket & Co., Cincinnati, Ohio PCAOB ID 539; no auditor attestation of internal control over financial reporting4
  • On EDGAR sinceMar 10, 20231
  • Filings73 in all: 8-K (13), 3 (11), 10-Q (10), 4 (9), 10-K (3), ARS (3), CORRESP (3), DEF 14A (3)1
    All 24 form types

    424B3 (2), EFFECT (2), 10-Q/A (1), 15-12G (1), 8-A12G (1), NT 10-K (1), NT 10-Q (1), POS AM (1), S-1 (1), S-1/A (1), S-8 (1), S-8 POS (1), SC 13G (1), SCHEDULE 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Dec 19, 2025
    Quarterly report (10-Q) May 12, 2026
    Proxy statement (DEF 14A) Jan 13, 2026
    Latest 8-K (8-K) Aug 3, 2026

Risk factors and legal proceedings

Legal proceedings

Periodically, there have been various claims and lawsuits against us, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At September 30, 2025, we were not involved in any legal proceedings which we believe would have a material adverse effect on our financial condition or results of operations.

The opening of Item 3, Legal Proceedings.4

Sources

The numbers on this page point here. Each one links to the record it came from.

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    SEC EDGAROther events
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