Side-by-side · Q2 2026 data
Merrick Bank vs Celtic Bank
Metric by metric
| Measure | Merrick Bank | Celtic Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 64 |
| Capital cushion | 100 | 100 |
| Loan quality | 0 | 0 |
| Earnings | 100 | 100 |
| Funding & liquidity | 61 (stronger) | 50 |
| Problem-loan coverage | 79 (stronger) | 67 |
| Peer percentile | 44th | 33rd |
| Total assets | $9.1B | $5.3B |
| Deposits / shares | $7.4B | $3.9B |
| Capital ratio | 16.59% | 18.04% (stronger) |
| Problem loans | 3.52% (stronger) | 3.63% |
| Net charge-offs | 11.54% | 0.49% (stronger) |
| Return on assets | 2.55% | 3.41% (stronger) |
| Loans ÷ deposits | 99.1% (stronger) | 115.4% |
| Uninsured deposits | 4.8% (stronger) | 9.1% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merrick Bank has the higher TellerScore (67 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Merrick Bank leads on 4 and Celtic Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.