Side-by-side · Q2 2026 data
American Bank & Trust vs Merchants State Bank
Metric by metric
| Measure | American Bank & Trust | Merchants State Bank |
|---|---|---|
| TellerScore | 72 | 91 (stronger) |
| Capital cushion | 63 | 100 (stronger) |
| Loan quality | 81 | 89 (stronger) |
| Earnings | 74 | 96 (stronger) |
| Funding & liquidity | 56 | 67 (stronger) |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 66th | 96th |
| Total assets | $2.2B | $219.6M |
| Deposits / shares | $2.0B | $180.7M |
| Capital ratio | 11.28% | 17.26% (stronger) |
| Problem loans | 0.57% | 0.32% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.34% | 1.90% (stronger) |
| Loans ÷ deposits | 80.7% (stronger) | 81.1% |
| Uninsured deposits | 36.8% | 25.8% (stronger) |
| Offices | 20 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
Merchants State Bank has the higher TellerScore (91 vs 72). On the 7 directional measures above (where higher or lower is clearly better), American Bank & Trust leads on 2 and Merchants State Bank on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.