Side-by-side · Q2 2026 data
ChoiceOne Bank vs Mercantile Bank
Metric by metric
| Measure | ChoiceOne Bank | Mercantile Bank |
|---|---|---|
| TellerScore | 61 | 73 (stronger) |
| Capital cushion | 43 | 66 (stronger) |
| Loan quality | 67 | 97 (stronger) |
| Earnings | 69 | 84 (stronger) |
| Funding & liquidity | 56 (stronger) | 18 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 24th | 70th |
| Total assets | $4.5B | $6.2B |
| Deposits / shares | $3.6B | $4.9B |
| Capital ratio | 9.30% | 11.61% (stronger) |
| Problem loans | 1.00% | 0.10% (stronger) |
| Net charge-offs | 0.02% | -0.03% (stronger) |
| Return on assets | 1.24% | 1.61% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 95.4% |
| Uninsured deposits | 33.0% (stronger) | 57.5% |
| Offices | 48 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.0% | 15.2% |
Mercantile Bank has the higher TellerScore (73 vs 61). On the 7 directional measures above (where higher or lower is clearly better), ChoiceOne Bank leads on 2 and Mercantile Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.