Side-by-side · Q2 2026 data
Merchants Bank vs Cornerstone Bank
Metric by metric
| Measure | Merchants Bank | Cornerstone Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 47 |
| Capital cushion | 56 (stronger) | 46 |
| Loan quality | 58 (stronger) | 22 |
| Earnings | 80 (stronger) | 70 |
| Funding & liquidity | 65 (stronger) | 48 |
| Problem-loan coverage | 83 (stronger) | 62 |
| Peer percentile | 29th | 5th |
| Total assets | $254.3M | $1.9B |
| Deposits / shares | $223.4M | $1.6B |
| Capital ratio | 10.56% (stronger) | 9.63% |
| Problem loans | 1.25% (stronger) | 2.35% |
| Net charge-offs | 0.08% (stronger) | 0.13% |
| Return on assets | 1.50% (stronger) | 1.25% |
| Loans ÷ deposits | 84.3% | 81.7% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 43.1% |
| Offices | 4 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.0% |
Merchants Bank has the higher TellerScore (65 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 6 and Cornerstone Bank on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Rugby, ND