Side-by-side · Q2 2026 data
Merit Bank vs First State Bank of the South, Inc.
Metric by metric
| Measure | Merit Bank | First State Bank of the South, Inc. |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 60 | 62 (stronger) |
| Funding & liquidity | 23 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 88 |
| Peer percentile | 26th | 94th |
| Total assets | $581.6M | $130.7M |
| Deposits / shares | $446.6M | $109.2M |
| Capital ratio | 9.70% | 16.38% (stronger) |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | 0.14% | -0.01% (stronger) |
| Return on assets | 1.01% | 1.05% (stronger) |
| Loans ÷ deposits | 88.7% | 51.8% (stronger) |
| Uninsured deposits | 58.7% | 18.7% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | — |
First State Bank of the South, Inc. has the higher TellerScore (89 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 the South, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.