Side-by-side · Q2 2026 data
Merit Bank vs Peoples Independent Bank
Metric by metric
| Measure | Merit Bank | Peoples Independent Bank |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 47 (stronger) | 44 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 60 | 84 (stronger) |
| Funding & liquidity | 23 | 88 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 26th | 61st |
| Total assets | $581.6M | $485.7M |
| Deposits / shares | $446.6M | $441.3M |
| Capital ratio | 9.70% (stronger) | 9.41% |
| Problem loans | 0.00% (stronger) | 0.30% |
| Net charge-offs | 0.14% | 0.03% (stronger) |
| Return on assets | 1.01% | 1.60% (stronger) |
| Loans ÷ deposits | 88.7% | 42.5% (stronger) |
| Uninsured deposits | 58.7% | 26.1% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.6% | 12.9% |
Peoples Independent Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merit Bank leads on 2 and Peoples Independent Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.