Side-by-side · Q2 2026 data
Merchants Bank, National Association vs Stearns Bank National Association
Metric by metric
| Measure | Merchants Bank, National Association | Stearns Bank National Association |
|---|---|---|
| TellerScore | 73 (stronger) | 67 |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 82 (stronger) | 12 |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 94 (stronger) | 65 |
| Peer percentile | 70th | 44th |
| Total assets | $2.9B | $3.3B |
| Deposits / shares | $2.5B | $2.4B |
| Capital ratio | 11.49% | 15.42% (stronger) |
| Problem loans | 0.53% (stronger) | 2.65% |
| Net charge-offs | 0.06% (stronger) | 2.05% |
| Return on assets | 1.23% | 2.09% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 114.8% |
| Uninsured deposits | 25.8% | 15.9% (stronger) |
| Offices | 22 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | — |
Merchants Bank, National Association has the higher TellerScore (73 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 4 and Stearns Bank National Association on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.