Side-by-side · Q2 2026 data
Merchants Bank vs Union State Bank of Hazen
Metric by metric
| Measure | Merchants Bank | Union State Bank of Hazen |
|---|---|---|
| TellerScore | 65 | 65 |
| Capital cushion | 56 (stronger) | 40 |
| Loan quality | 58 | 71 (stronger) |
| Earnings | 80 (stronger) | 63 |
| Funding & liquidity | 65 | 96 (stronger) |
| Problem-loan coverage | 83 | 86 (stronger) |
| Peer percentile | 29th | 29th |
| Total assets | $254.3M | $257.4M |
| Deposits / shares | $223.4M | $226.7M |
| Capital ratio | 10.56% (stronger) | 8.96% |
| Problem loans | 1.25% | 0.88% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.09% |
| Loans ÷ deposits | 84.3% | 64.4% (stronger) |
| Uninsured deposits | 24.9% | 9.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Merchants Bank leads on 2 and Union State Bank of Hazen on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.