Mercer Bancorp, Inc. (MSBB) — SEC Filings
Mercer Bancorp, Inc. (MSBB) — 17 SEC filings. Latest: 10-K (Dec 19, 2025). Includes 7 8-K, 5 10-Q, 2 10-K.
View Mercer Bancorp, Inc. on SEC EDGAR
Overview
Mercer Bancorp, Inc. (MSBB) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-K filed on Dec 19, 2025: Mercer Bancorp, Inc. (MSBB) reported consolidated total assets of $176.2 million, total deposits of $144.0 million, and stockholders' equity of $24.6 million as of September 30, 2025. The company's primary business activities include holding Mercer Savings Bank's common stock, making contributions t
Sentiment Summary
Across 17 filings, the sentiment breakdown is: 1 bullish, 15 neutral, 1 mixed. The dominant filing sentiment for Mercer Bancorp, Inc. is neutral.
Filing Type Overview
Mercer Bancorp, Inc. (MSBB) has filed 2 10-K, 5 10-Q, 7 8-K, 1 DEF 14A, 1 10-Q/A, 1 SC 13G with the SEC between Jan 2024 to Dec 2025.
Filings by Year
Recent SEC Filings (17)
Risk Profile
Risk Assessment: Of MSBB's 15 recent filings, 0 were flagged as high-risk, 2 as medium-risk, and 13 as low-risk. The overall risk profile suggests relatively low risk with generally favorable filings.
Financial Highlights
| Metric | Value |
|---|---|
| Total Assets | $176.2 million |
Industry Context
Mercer Bancorp operates within the highly competitive community banking sector, characterized by a focus on local markets and relationship-based lending. The industry is undergoing consolidation and faces increasing competition from larger financial institutions and fintech companies. Trends include a growing demand for digital banking services and evolving regulatory landscapes impacting capital requirements and operational flexibility.
Top Tags
10-Q (6) · financials (6) · corporate-governance (4) · Loan Portfolio (2) · equity (2) · charitable-contribution (2) · financial-reporting (2) · Community Banking (1) · Deposit Growth (1) · Agricultural Lending (1)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Consolidated total assets | $176.2 million | As of September 30, 2025 |
| Total deposits | $144.0 million | As of September 30, 2025 |
| Stockholders' equity | $24.6 million | As of September 30, 2025 |
| Gross offering proceeds | $9.7 million | From initial stock offering completed July 26, 2023 |
| Shares of common stock sold | 972,970 | In initial stock offering at $10.00 per share |
| Net loans as a percentage of total assets | 80.8% | As of September 30, 2025 |
| Residential mortgage loans | $78.8 million | Representing 54.7% of total loan portfolio as of September 30, 2025 |
| Agricultural real estate loans | $46.3 million | Representing 32.2% of total loan portfolio as of September 30, 2025 |
| Indirect automobile loans held for investment | $4.1 million | As of September 30, 2025, representing 2.8% of total loan portfolio |
| Automobile loans held for sale | $8.1 million | As of September 30, 2025 |
| Fiscal Year End | 0930 | Indicates the end of the company's fiscal year for reporting purposes. |
| Reporting Period End Date | 20250630 | Specifies the end date for the financial data presented in the 10-Q. |
| Period End Date | 20250331 | Marks the end of the reporting quarter |
| SEC File Number | 000-56575 | Identifies the company's filing history with the SEC. |
| IRS Employer Identification No. | 92-3452469 | Company's tax identification number. |
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Frequently Asked Questions
What are the latest SEC filings for Mercer Bancorp, Inc. (MSBB)?
Mercer Bancorp, Inc. has 17 recent SEC filings from Jan 2024 to Dec 2025, including 7 8-K, 5 10-Q, 2 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of MSBB filings?
Across 17 filings, the sentiment breakdown is: 1 bullish, 15 neutral, 1 mixed. The dominant sentiment is neutral.
Where can I find Mercer Bancorp, Inc. SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Mercer Bancorp, Inc. (MSBB) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Mercer Bancorp, Inc.?
Key financial highlights from Mercer Bancorp, Inc.'s most recent 10-K include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for MSBB?
The investment thesis for MSBB includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Mercer Bancorp, Inc.?
Executive information for Mercer Bancorp, Inc. is extracted from SEC filings as they are enriched with AI analysis.
What are the main risk factors for Mercer Bancorp, Inc. stock?
Of MSBB's 15 assessed filings, 0 were flagged high-risk, 2 medium-risk, and 13 low-risk.
What are recent predictions and forward guidance from Mercer Bancorp, Inc.?
Forward guidance and predictions for Mercer Bancorp, Inc. are extracted from SEC filings as they are enriched.