Risk factors
Merchants Bancorp (MBIN) risk factors
Item 1A of every Merchants Bancorp 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.
- FY2025 10-K risk factors46 risks3 new2 dropped5 reworded
Merchants Bancorp added business continuity, dividend dependency, and personal data privacy risks while updating interest rate and asset-size disclosures.
Filed Feb 27, 2026 - FY2024 10-K risk factors45 risks
Merchants Bancorp faces primary risks from interest rate fluctuations impacting its extensive mortgage banking and warehouse financing operations. Asset quality risks tied to real estate construction and multi-family loans dominate the credit portfolio. Regulatory scrutiny and compliance costs remain high as assets exceed the $10 billion threshold.
Filed Feb 28, 2025