Side-by-side · Q2 2026 data
Merchants State Bank vs One American Bank
Metric by metric
| Measure | Merchants State Bank | One American Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 40 |
| Capital cushion | 100 (stronger) | 33 |
| Loan quality | 89 (stronger) | 48 |
| Earnings | 96 (stronger) | 0 |
| Funding & liquidity | 67 (stronger) | 65 |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 96th | 2nd |
| Total assets | $219.6M | $285.2M |
| Deposits / shares | $180.7M | $231.5M |
| Capital ratio | 17.26% (stronger) | 8.35% |
| Problem loans | 0.32% (stronger) | 1.56% |
| Net charge-offs | 0.01% (stronger) | 4.78% |
| Return on assets | 1.90% (stronger) | -3.96% |
| Loans ÷ deposits | 81.1% (stronger) | 95.4% |
| Uninsured deposits | 25.8% | 10.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants State Bank has the higher TellerScore (91 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 6 and One American Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.