Side-by-side · Q2 2026 data
Merchants State Bank vs Reliabank Dakota
Metric by metric
| Measure | Merchants State Bank | Reliabank Dakota |
|---|---|---|
| TellerScore | 91 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 55 |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 96 (stronger) | 75 |
| Funding & liquidity | 67 (stronger) | 48 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 96th | 47th |
| Total assets | $219.6M | $788.4M |
| Deposits / shares | $180.7M | $663.6M |
| Capital ratio | 17.26% (stronger) | 10.49% |
| Problem loans | 0.32% | 0.26% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.90% (stronger) | 1.37% |
| Loans ÷ deposits | 81.1% | 79.1% (stronger) |
| Uninsured deposits | 25.8% (stronger) | 44.7% |
| Offices | 4 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.4% |
Merchants State Bank has the higher TellerScore (91 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 5 and Reliabank Dakota on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.