Side-by-side · Q2 2026 data
Merchants Bank vs The Union Bank
Metric by metric
| Measure | Merchants Bank | The Union Bank |
|---|---|---|
| TellerScore | 65 (stronger) | 64 |
| Capital cushion | 56 (stronger) | 51 |
| Loan quality | 58 (stronger) | 54 |
| Earnings | 80 (stronger) | 76 |
| Funding & liquidity | 65 | 81 (stronger) |
| Problem-loan coverage | 83 | 83 |
| Peer percentile | 29th | 26th |
| Total assets | $254.3M | $312.2M |
| Deposits / shares | $223.4M | $266.2M |
| Capital ratio | 10.56% (stronger) | 10.12% |
| Problem loans | 1.25% (stronger) | 1.38% |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.50% (stronger) | 1.41% |
| Loans ÷ deposits | 84.3% | 72.5% (stronger) |
| Uninsured deposits | 24.9% | 21.3% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants Bank has the higher TellerScore (65 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 4 and The Union Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.