Side-by-side · Q2 2026 data
Merchants State Bank vs First Dakota National Bank
Metric by metric
| Measure | Merchants State Bank | First Dakota National Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 89 | 90 (stronger) |
| Earnings | 96 (stronger) | 87 |
| Funding & liquidity | 67 (stronger) | 45 |
| Problem-loan coverage | 97 (stronger) | 93 |
| Peer percentile | 96th | 66th |
| Total assets | $219.6M | $3.4B |
| Deposits / shares | $180.7M | $3.0B |
| Capital ratio | 17.26% (stronger) | 10.40% |
| Problem loans | 0.32% | 0.30% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 1.68% |
| Loans ÷ deposits | 81.1% (stronger) | 95.9% |
| Uninsured deposits | 25.8% (stronger) | 32.8% |
| Offices | 4 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.8% |
Merchants State Bank has the higher TellerScore (91 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 5 and First Dakota National Bank on 2. 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.