Side-by-side · Q2 2026 data
Isabella Bank vs Mercantile Bank
Metric by metric
| Measure | Isabella Bank | Mercantile Bank |
|---|---|---|
| TellerScore | 62 | 73 (stronger) |
| Capital cushion | 39 | 66 (stronger) |
| Loan quality | 84 | 97 (stronger) |
| Earnings | 64 | 84 (stronger) |
| Funding & liquidity | 51 (stronger) | 18 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 27th | 70th |
| Total assets | $2.2B | $6.2B |
| Deposits / shares | $1.8B | $4.9B |
| Capital ratio | 8.93% | 11.61% (stronger) |
| Problem loans | 0.49% | 0.10% (stronger) |
| Net charge-offs | 0.08% | -0.03% (stronger) |
| Return on assets | 1.10% | 1.61% (stronger) |
| Loans ÷ deposits | 85.4% (stronger) | 95.4% |
| Uninsured deposits | 36.5% (stronger) | 57.5% |
| Offices | 27 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | 15.2% |
Mercantile Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Isabella Bank leads on 2 and Mercantile Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mount Pleasant, MI
- Midland, MI
- Clare, MI
- Ithaca, MI
- Remus, MI
- Shepherd, MI