Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Alliance Bank
Metric by metric
| Measure | Merchants Bank, National Association | Alliance Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 65 (stronger) | 51 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 69 (stronger) | 60 |
| Funding & liquidity | 67 (stronger) | 50 |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 70th | 43rd |
| Total assets | $2.9B | $755.9M |
| Deposits / shares | $2.5B | $657.9M |
| Capital ratio | 11.49% (stronger) | 10.07% |
| Problem loans | 0.53% | 0.01% (stronger) |
| Net charge-offs | 0.06% | -0.01% (stronger) |
| Return on assets | 1.23% (stronger) | 1.00% |
| Loans ÷ deposits | 81.5% (stronger) | 92.0% |
| Uninsured deposits | 25.8% (stronger) | 31.4% |
| Offices | 22 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 13.3% |
Merchants Bank, National Association has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 5 and Alliance Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.