Side-by-side · Q2 2026 data
First Merchants Bank vs Centier Bank
Metric by metric
| Measure | First Merchants Bank | Centier Bank |
|---|---|---|
| TellerScore | 58 | 67 (stronger) |
| Capital cushion | 50 | 57 (stronger) |
| Loan quality | 73 | 73 |
| Earnings | 51 | 83 (stronger) |
| Funding & liquidity | 35 | 43 (stronger) |
| Problem-loan coverage | 91 (stronger) | 88 |
| Peer percentile | 20th | 63rd |
| Total assets | $21.3B | $10.4B |
| Deposits / shares | $16.8B | $8.8B |
| Capital ratio | 9.96% | 10.74% (stronger) |
| Problem loans | 0.82% | 0.82% (stronger) |
| Net charge-offs | 0.19% | 0.08% (stronger) |
| Return on assets | 0.78% | 1.57% (stronger) |
| Loans ÷ deposits | 91.6% | 91.2% (stronger) |
| Uninsured deposits | 45.4% | 38.5% (stronger) |
| Offices | 127 | 62 |
| CFPB complaints (3 yrs) | 86 | — |
| Complaints per $1B deposits | 5.1 | — |
| Mortgage denial rate (HMDA) | 19.8% | 21.6% |
Centier Bank has the higher TellerScore (67 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Merchants Bank leads on 0 and Centier Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.