Side-by-side · Q2 2026 data
Merit Bank vs First State Bank of DeKalb County
Metric by metric
| Measure | Merit Bank | First State Bank of DeKalb County |
|---|---|---|
| TellerScore | 64 | 86 (stronger) |
| Capital cushion | 47 | 91 (stronger) |
| Loan quality | 100 (stronger) | 72 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 23 | 79 (stronger) |
| Problem-loan coverage | 99 (stronger) | 92 |
| Peer percentile | 26th | 90th |
| Total assets | $581.6M | $353.8M |
| Deposits / shares | $446.6M | $299.0M |
| Capital ratio | 9.70% | 14.13% (stronger) |
| Problem loans | 0.00% (stronger) | 0.84% |
| Net charge-offs | 0.14% | 0.02% (stronger) |
| Return on assets | 1.01% | 2.26% (stronger) |
| Loans ÷ deposits | 88.7% | 68.6% (stronger) |
| Uninsured deposits | 58.7% | 26.9% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
First State Bank of DeKalb County has the higher TellerScore (86 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 1 and First State Bank of DeKalb County on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.