Side-by-side · Q2 2026 data
Merchants State Bank vs The Security State Bank
Metric by metric
| Measure | Merchants State Bank | The Security State Bank |
|---|---|---|
| TellerScore | 91 | 99 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 96 | 100 (stronger) |
| Funding & liquidity | 67 | 91 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 96th | 99th |
| Total assets | $219.6M | $64.8M |
| Deposits / shares | $180.7M | $52.2M |
| Capital ratio | 17.26% | 19.51% (stronger) |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.90% | 1.99% (stronger) |
| Loans ÷ deposits | 81.1% | 32.1% (stronger) |
| Uninsured deposits | 25.8% | 23.7% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Security State Bank has the higher TellerScore (99 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 0 and The Security State Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.