Side-by-side · Q2 2026 data
Bluff View Bank vs Merchants Bank, National Association
Metric by metric
| Measure | Bluff View Bank | Merchants Bank, National Association |
|---|---|---|
| TellerScore | 90 (stronger) | 73 |
| Capital cushion | 99 (stronger) | 65 |
| Loan quality | 100 (stronger) | 82 |
| Earnings | 71 (stronger) | 69 |
| Funding & liquidity | 75 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 95th | 70th |
| Total assets | $152.8M | $2.9B |
| Deposits / shares | $118.4M | $2.5B |
| Capital ratio | 14.94% (stronger) | 11.49% |
| Problem loans | 0.00% (stronger) | 0.53% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.26% (stronger) | 1.23% |
| Loans ÷ deposits | 85.5% | 81.5% (stronger) |
| Uninsured deposits | 14.6% (stronger) | 25.8% |
| Offices | 3 | 22 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.9% | 5.9% |
Bluff View Bank has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Bluff View Bank leads on 6 and Merchants Bank, National Association on 1. 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.