Side-by-side · Q2 2026 data
The Citizens National Bank of Bluffton vs The Merchants National Bank
Metric by metric
| Measure | The Citizens National Bank of Bluffton | The Merchants National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 60 (stronger) | 39 |
| Loan quality | 78 | 82 (stronger) |
| Earnings | 100 (stronger) | 67 |
| Funding & liquidity | 29 | 60 (stronger) |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 63rd | 33rd |
| Total assets | $1.1B | $1.3B |
| Deposits / shares | $863.6M | $1.1B |
| Capital ratio | 11.02% (stronger) | 8.91% |
| Problem loans | 0.66% | 0.53% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.45% (stronger) | 1.17% |
| Loans ÷ deposits | 100.7% | 85.0% (stronger) |
| Uninsured deposits | 42.9% | 28.6% (stronger) |
| Offices | 9 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.1% | — |
The Citizens National Bank of Bluffton has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Citizens National Bank of Bluffton leads on 4 and The Merchants National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.