Side-by-side · Q2 2026 data
Merchants State Bank vs Commercial State Bank, of Wagner
Metric by metric
| Measure | Merchants State Bank | Commercial State Bank, of Wagner |
|---|---|---|
| TellerScore | 91 (stronger) | 66 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 89 (stronger) | 24 |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 97 (stronger) | 77 |
| Peer percentile | 96th | 31st |
| Total assets | $219.6M | $260.4M |
| Deposits / shares | $180.7M | $218.8M |
| Capital ratio | 17.26% (stronger) | 11.82% |
| Problem loans | 0.32% (stronger) | 2.29% |
| Net charge-offs | 0.01% | -0.63% (stronger) |
| Return on assets | 1.90% | 2.57% (stronger) |
| Loans ÷ deposits | 81.1% | 70.2% (stronger) |
| Uninsured deposits | 25.8% (stronger) | 26.8% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants State Bank has the higher TellerScore (91 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 4 and Commercial State Bank, of Wagner on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.