Side-by-side · Q2 2026 data
Merit Bank vs First Metro Bank
Metric by metric
| Measure | Merit Bank | First Metro Bank |
|---|---|---|
| TellerScore | 64 | 84 (stronger) |
| Capital cushion | 47 | 80 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 60 | 85 (stronger) |
| Funding & liquidity | 23 | 63 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 26th | 95th |
| Total assets | $581.6M | $1.0B |
| Deposits / shares | $446.6M | $893.7M |
| Capital ratio | 9.70% | 12.98% (stronger) |
| Problem loans | 0.00% (stronger) | 0.13% |
| Net charge-offs | 0.14% (stronger) | 0.22% |
| Return on assets | 1.01% | 1.62% (stronger) |
| Loans ÷ deposits | 88.7% | 66.4% (stronger) |
| Uninsured deposits | 58.7% | 42.8% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | 7.7% |
First Metro Bank has the higher TellerScore (84 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 2 and First Metro Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.