Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Bridgewater Bank
Metric by metric
| Measure | Merchants Bank, National Association | Bridgewater Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 65 | 66 (stronger) |
| Loan quality | 82 | 84 (stronger) |
| Earnings | 69 | 72 (stronger) |
| Funding & liquidity | 67 (stronger) | 48 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 70th | 66th |
| Total assets | $2.9B | $5.4B |
| Deposits / shares | $2.5B | $4.4B |
| Capital ratio | 11.49% | 11.65% (stronger) |
| Problem loans | 0.53% | 0.49% (stronger) |
| Net charge-offs | 0.06% | 0.04% (stronger) |
| Return on assets | 1.23% | 1.30% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 100.0% |
| Uninsured deposits | 25.8% (stronger) | 26.2% |
| Offices | 22 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 4.5% |
Merchants Bank, National Association has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 3 and Bridgewater Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.