Side-by-side · Q2 2026 data
State Bank & Trust of Kenmare vs Merchants Bank
Metric by metric
| Measure | State Bank & Trust of Kenmare | Merchants Bank |
|---|---|---|
| TellerScore | 62 | 65 (stronger) |
| Capital cushion | 42 | 56 (stronger) |
| Loan quality | 63 (stronger) | 58 |
| Earnings | 66 | 80 (stronger) |
| Funding & liquidity | 80 (stronger) | 65 |
| Problem-loan coverage | 88 (stronger) | 83 |
| Peer percentile | 22nd | 29th |
| Total assets | $201.1M | $254.3M |
| Deposits / shares | $182.8M | $223.4M |
| Capital ratio | 9.25% | 10.56% (stronger) |
| Problem loans | 1.10% (stronger) | 1.25% |
| Net charge-offs | -0.04% (stronger) | 0.08% |
| Return on assets | 1.15% | 1.50% (stronger) |
| Loans ÷ deposits | 45.8% (stronger) | 84.3% |
| Uninsured deposits | 33.5% | 24.9% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants Bank has the higher TellerScore (65 vs 62). On the 7 directional measures above (where higher or lower is clearly better), State Bank & Trust of Kenmare leads on 3 and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.