Side-by-side · Q2 2026 data
Merchants Bank vs Peoples State Bank of Velva
Metric by metric
| Measure | Merchants Bank | Peoples State Bank of Velva |
|---|---|---|
| TellerScore | 65 | 73 (stronger) |
| Capital cushion | 56 (stronger) | 43 |
| Loan quality | 58 | 97 (stronger) |
| Earnings | 80 | 83 (stronger) |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 83 | 98 (stronger) |
| Peer percentile | 29th | 53rd |
| Total assets | $254.3M | $210.0M |
| Deposits / shares | $223.4M | $184.4M |
| Capital ratio | 10.56% (stronger) | 9.31% |
| Problem loans | 1.25% | 0.10% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 1.50% | 1.58% (stronger) |
| Loans ÷ deposits | 84.3% | 81.8% (stronger) |
| Uninsured deposits | 24.9% (stronger) | 27.2% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank of Velva has the higher TellerScore (73 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 2 and Peoples State Bank of Velva on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.