Side-by-side · Q2 2026 data
Merchants State Bank vs The First National Bank in Sioux Falls
Bank
The First National Bank in Sioux Falls
Sioux Falls, South Dakota · $1 billion – $10 billion
Metric by metric
| Measure | Merchants State Bank | The First National Bank in Sioux Falls |
|---|---|---|
| TellerScore | 91 (stronger) | 67 |
| Capital cushion | 100 (stronger) | 53 |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 96 (stronger) | 66 |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 96th | 44th |
| Total assets | $219.6M | $2.1B |
| Deposits / shares | $180.7M | $1.8B |
| Capital ratio | 17.26% (stronger) | 10.34% |
| Problem loans | 0.32% (stronger) | 0.41% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.90% (stronger) | 1.15% |
| Loans ÷ deposits | 81.1% (stronger) | 88.6% |
| Uninsured deposits | 25.8% (stronger) | 35.3% |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
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 7 and The First National Bank in Sioux Falls on 0. 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.