Side-by-side · Q2 2026 data
Merit Bank vs First Southern Bank
Metric by metric
| Measure | Merit Bank | First Southern Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 18 |
| Capital cushion | 47 (stronger) | 39 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 23 | 40 (stronger) |
| Problem-loan coverage | 99 (stronger) | 0 |
| Peer percentile | 26th | 0th |
| Total assets | $581.6M | $679.2M |
| Deposits / shares | $446.6M | $577.1M |
| Capital ratio | 9.70% (stronger) | 8.95% |
| Problem loans | 0.00% (stronger) | 10.86% |
| Net charge-offs | 0.14% (stronger) | 4.60% |
| Return on assets | 1.01% (stronger) | -2.50% |
| Loans ÷ deposits | 88.7% | 78.7% (stronger) |
| Uninsured deposits | 58.7% | 52.8% (stronger) |
| Offices | 1 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | 8.2% |
Merit Bank has the higher TellerScore (64 vs 18). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 5 and First Southern Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.