Side-by-side · Q2 2026 data
Sidney State Bank vs Mercantile Bank
Metric by metric
| Measure | Sidney State Bank | Mercantile Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 46 | 66 (stronger) |
| Loan quality | 98 (stronger) | 97 |
| Earnings | 97 (stronger) | 84 |
| Funding & liquidity | 83 (stronger) | 18 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 77th | 70th |
| Total assets | $138.7M | $6.2B |
| Deposits / shares | $123.1M | $4.9B |
| Capital ratio | 9.65% | 11.61% (stronger) |
| Problem loans | 0.06% (stronger) | 0.10% |
| Net charge-offs | -0.01% | -0.03% (stronger) |
| Return on assets | 1.93% (stronger) | 1.61% |
| Loans ÷ deposits | 73.8% (stronger) | 95.4% |
| Uninsured deposits | 18.1% (stronger) | 57.5% |
| Offices | 3 | 33 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 15.2% |
Sidney State Bank has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Sidney State Bank leads on 5 and Mercantile Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.