Side-by-side · Q2 2026 data
Merchants State Bank vs Security National Bank of South Dakota
Bank
Security National Bank of South Dakota
Dakota Dunes, South Dakota · $100 million – $1 billion
Metric by metric
| Measure | Merchants State Bank | Security National Bank of South Dakota |
|---|---|---|
| TellerScore | 91 | 93 (stronger) |
| Capital cushion | 100 (stronger) | 91 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 67 | 73 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 96th | 98th |
| Total assets | $219.6M | $251.5M |
| Deposits / shares | $180.7M | $194.7M |
| Capital ratio | 17.26% (stronger) | 14.12% |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.90% | 2.48% (stronger) |
| Loans ÷ deposits | 81.1% (stronger) | 87.5% |
| Uninsured deposits | 25.8% | 15.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
Security National Bank of South Dakota has the higher TellerScore (93 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 2 and Security National Bank of South Dakota on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.