Side-by-side · Q2 2026 data
Merchants Bank vs Security First Bank of North Dakota
Bank
Security First Bank of North Dakota
New Salem, North Dakota · $100 million – $1 billion
Metric by metric
| Measure | Merchants Bank | Security First Bank of North Dakota |
|---|---|---|
| TellerScore | 65 | 87 (stronger) |
| Capital cushion | 56 | 80 (stronger) |
| Loan quality | 58 | 100 (stronger) |
| Earnings | 80 | 95 (stronger) |
| Funding & liquidity | 65 | 65 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 29th | 91st |
| Total assets | $254.3M | $293.2M |
| Deposits / shares | $223.4M | $246.8M |
| Capital ratio | 10.56% | 12.99% (stronger) |
| Problem loans | 1.25% | 0.00% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.50% | 1.86% (stronger) |
| Loans ÷ deposits | 84.3% (stronger) | 92.6% |
| Uninsured deposits | 24.9% | 17.8% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Security First Bank of North Dakota has the higher TellerScore (87 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 1 and Security First Bank of North Dakota on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.