Side-by-side · Q2 2026 data
The First National Bank of Blanchester vs The Merchants National Bank
Metric by metric
| Measure | The First National Bank of Blanchester | The Merchants National Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 64 |
| Capital cushion | 56 (stronger) | 39 |
| Loan quality | 95 (stronger) | 82 |
| Earnings | 69 (stronger) | 67 |
| Funding & liquidity | 85 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 92 |
| Peer percentile | 58th | 33rd |
| Total assets | $77.7M | $1.3B |
| Deposits / shares | $68.9M | $1.1B |
| Capital ratio | 10.62% (stronger) | 8.91% |
| Problem loans | 0.15% (stronger) | 0.53% |
| Net charge-offs | 0.13% | 0.00% (stronger) |
| Return on assets | 1.23% (stronger) | 1.17% |
| Loans ÷ deposits | 71.4% (stronger) | 85.0% |
| Uninsured deposits | 18.1% (stronger) | 28.6% |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Blanchester has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Blanchester leads on 6 and The Merchants National Bank on 1. 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.