Side-by-side · Q2 2026 data
Citizens Federal Savings and Loan Association vs Mercer Savings Bank
Bank
Citizens Federal Savings and Loan Association
Bellefontaine, Ohio · $100 million – $1 billion
Metric by metric
| Measure | Citizens Federal Savings and Loan Association | Mercer Savings Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 59 | 82 (stronger) |
| Loan quality | 99 (stronger) | 97 |
| Earnings | 38 | 52 (stronger) |
| Funding & liquidity | 67 (stronger) | 57 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 43rd | 72nd |
| Total assets | $186.1M | $176.2M |
| Deposits / shares | $161.3M | $146.4M |
| Capital ratio | 10.90% | 13.16% (stronger) |
| Problem loans | 0.03% (stronger) | 0.08% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.45% | 0.79% (stronger) |
| Loans ÷ deposits | 91.1% (stronger) | 103.1% |
| Uninsured deposits | 16.6% | 6.0% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mercer Savings Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Citizens Federal Savings and Loan Association leads on 3 and Mercer Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.