Merchants Bank is a long-standing community bank based in Winona, Minnesota, with a regional footprint that includes southeastern Minnesota and western Wisconsin. Founded in 1875, the institution has grown within its chartered markets while maintaining a strong emphasis on local involvement and longstanding customer relationships. Its organizational history reflects a continuity of community-oriented banking practices, adapting to changing financial needs while preserving core principles of service and accessibility. The bank operates as an employee-owned entity, a structure that underscores its emphasis on stability, local decision-making, and long-term community commitments. Primary activities center on traditional banking functions such as deposit gathering, lending, and related financial services tailored to individuals, small businesses, and agricultural customers in its service areas. Merchants Bank’s operational scope includes multiple branches within its geographic region, supporting consistent delivery of financial solutions aligned with community growth and resilience.
Better than 54% of providers in Rochester
In addition to the primary service, Merchants Bank also offers:
Links and information about Merchants Bank:
Whether you’re starting a family, managing a business or nearing retirement, Merchants Bank has solutions to fit your individual situation. Proudly serving Minnesota and Wisconsin.
www.merchantsbank.comWinona, MN 55987 Comptroller of the Currency Minneapolis South 1310 West Clairemont Avenue Suite 100 Eau Claire, WI 54701 NOTE: This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods... 2 evaluation period (73% by dollar volume). A limited scope review was performed in the Rochester assessment area, which consists of Olmsted County (a portion of the Rochester, MN Metropolitan Statistical...
www.occ.treas.govMerchants Bank NA is a Banking, Financial Services, and Community Bank company located in Winona, Minnesota with 364 employees. Find top employees, contact details and business statistics at RocketReach.
rocketreach.coCharter Number: 14488 102 Plaza East Winona, MN 55987 Office of the Comptroller of the Currency Minneapolis Field Office Campbell Mithun Tower 222 South Ninth Street Minneapolis, MN. 55402-3393 NOTE: This document is an evaluation of this institution’s record of meeting the credit... Merchants did not request consideration of any affiliate activities in this performance review. Description of Institution Merchants Bank, National Association (Merchants) is an interstate community bank with 17...
www.occ.treas.govMerchants Bank is a growing, employee-owned company, dedicated to a philosophy of community banking with total company wide assets of over $2.7 billion. We are searching for an Agricultural/Commercial Banker in our Lanesboro and Rushford, MN area markets. BS/BA Degree and/or significant relevant professional sales and/or banking experience desired. Previous credit analysis and/or agriculture lending experience preferred. The Ag/Commercial Banker is responsible for the development, origination,...
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Find answers to common questions
Merchants Bank is listed as a financial service provider in Rochester, MN and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Merchants Bank to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Merchants Bank, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Merchants Bank with other providers in Rochester and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Merchants Bank has a rating of 4.2, which is better than 54% of providers in Rochester.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Merchants Bank requests. It is always best to call ahead using the phone number on this page so Merchants Bank can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Merchants Bank also offers: Bank, ATM, Financial institution, Mortgage lender.