Side-by-side · Q2 2026 data
Merchants Bank vs Horizon Financial Bank
Metric by metric
| Measure | Merchants Bank | Horizon Financial Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 61 |
| Capital cushion | 56 | 58 (stronger) |
| Loan quality | 58 (stronger) | 55 |
| Earnings | 80 (stronger) | 59 |
| Funding & liquidity | 65 (stronger) | 63 |
| Problem-loan coverage | 83 (stronger) | 82 |
| Peer percentile | 29th | 20th |
| Total assets | $254.3M | $201.0M |
| Deposits / shares | $223.4M | $178.5M |
| Capital ratio | 10.56% | 10.78% (stronger) |
| Problem loans | 1.25% (stronger) | 1.34% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 0.97% |
| Loans ÷ deposits | 84.3% | 83.5% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 27.6% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants Bank has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 4 and Horizon Financial Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.