Side-by-side · Q2 2026 data
Merchants State Bank vs Citibank, National Association
Metric by metric
| Measure | Merchants State Bank | Citibank, National Association |
|---|---|---|
| TellerScore | 91 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 89 (stronger) | 78 |
| Earnings | 96 (stronger) | 62 |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 95 |
| Peer percentile | 96th | 37th |
| Total assets | $219.6M | $2.0T |
| Deposits / shares | $180.7M | $1.5T |
| Capital ratio | 17.26% (stronger) | 7.87% |
| Problem loans | 0.32% (stronger) | 0.66% |
| Net charge-offs | 0.01% (stronger) | 1.06% |
| Return on assets | 1.90% (stronger) | 1.06% |
| Loans ÷ deposits | 81.1% | 47.8% (stronger) |
| Uninsured deposits | 25.8% (stronger) | 47.8% |
| Offices | 4 | 947 |
| CFPB complaints (3 yrs) | — | 55,168 |
| Complaints per $1B deposits | — | 35.6 |
| Mortgage denial rate (HMDA) | — | 24.0% |
Merchants State Bank has the higher TellerScore (91 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 6 and Citibank, National Association on 1. 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.