Side-by-side · Q2 2026 data
Merchants Bank vs Rolette State Bank
Metric by metric
| Measure | Merchants Bank | Rolette State Bank |
|---|---|---|
| TellerScore | 65 | 78 (stronger) |
| Capital cushion | 56 (stronger) | 49 |
| Loan quality | 58 | 99 (stronger) |
| Earnings | 80 | 82 (stronger) |
| Funding & liquidity | 65 | 79 (stronger) |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 29th | 60th |
| Total assets | $254.3M | $51.5M |
| Deposits / shares | $223.4M | $46.0M |
| Capital ratio | 10.56% (stronger) | 9.87% |
| Problem loans | 1.25% | 0.04% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.50% | 1.54% (stronger) |
| Loans ÷ deposits | 84.3% | 80.4% (stronger) |
| Uninsured deposits | 24.9% | 15.6% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Rolette State Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 1 and Rolette State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.