Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Bank of Alma
Metric by metric
| Measure | Merchants Bank, National Association | Bank of Alma |
|---|---|---|
| TellerScore | 73 | 83 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 82 (stronger) | 68 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 44 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 70th | 84th |
| Total assets | $2.9B | $339.5M |
| Deposits / shares | $2.5B | $166.3M |
| Capital ratio | 11.49% | 50.77% (stronger) |
| Problem loans | 0.53% (stronger) | 0.97% |
| Net charge-offs | 0.06% | 0.00% (stronger) |
| Return on assets | 1.23% | 3.16% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 119.5% |
| Uninsured deposits | 25.8% | 20.3% (stronger) |
| Offices | 22 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Bank of Alma has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 2 and Bank of Alma on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.