Side-by-side · Q2 2026 data
Merchants State Bank vs Quoin Financial Bank
Metric by metric
| Measure | Merchants State Bank | Quoin Financial Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 29 |
| Loan quality | 89 | 93 (stronger) |
| Earnings | 96 (stronger) | 67 |
| Funding & liquidity | 67 | 80 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 96th | 34th |
| Total assets | $219.6M | $250.7M |
| Deposits / shares | $180.7M | $216.5M |
| Capital ratio | 17.26% (stronger) | 7.90% |
| Problem loans | 0.32% | 0.21% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.90% (stronger) | 1.17% |
| Loans ÷ deposits | 81.1% | 71.9% (stronger) |
| Uninsured deposits | 25.8% | 22.1% (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 67). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 3 and Quoin Financial Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.