Side-by-side · Q2 2026 data
Mercantile Bank vs Northpointe Bank
Metric by metric
| Measure | Mercantile Bank | Northpointe Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 58 |
| Capital cushion | 66 (stronger) | 45 |
| Loan quality | 97 (stronger) | 59 |
| Earnings | 84 (stronger) | 73 |
| Funding & liquidity | 18 | 50 (stronger) |
| Problem-loan coverage | 99 (stronger) | 76 |
| Peer percentile | 70th | 17th |
| Total assets | $6.2B | $7.5B |
| Deposits / shares | $4.9B | $5.3B |
| Capital ratio | 11.61% (stronger) | 9.54% |
| Problem loans | 0.10% (stronger) | 1.23% |
| Net charge-offs | -0.03% (stronger) | 0.02% |
| Return on assets | 1.61% (stronger) | 1.32% |
| Loans ÷ deposits | 95.4% (stronger) | 129.1% |
| Uninsured deposits | 57.5% | 7.1% (stronger) |
| Offices | 33 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 15.2% | 10.4% |
Mercantile Bank has the higher TellerScore (73 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Mercantile Bank leads on 6 and Northpointe Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.