Side-by-side · Q2 2026 data
The Mer Rouge State Bank vs Gibsland Bank & Trust Company
Metric by metric
| Measure | The Mer Rouge State Bank | Gibsland Bank & Trust Company |
|---|---|---|
| TellerScore | 79 | 81 (stronger) |
| Capital cushion | 76 | 100 (stronger) |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 66 | 73 (stronger) |
| Funding & liquidity | 85 (stronger) | 58 |
| Problem-loan coverage | 94 (stronger) | 74 |
| Peer percentile | 63rd | 80th |
| Total assets | $51.8M | $574.3M |
| Deposits / shares | $45.0M | $459.0M |
| Capital ratio | 12.61% | 16.50% (stronger) |
| Problem loans | 0.55% (stronger) | 0.61% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.15% | 1.32% (stronger) |
| Loans ÷ deposits | 75.3% (stronger) | 92.5% |
| Uninsured deposits | 12.3% (stronger) | 24.1% |
| Offices | 1 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gibsland Bank & Trust Company has the higher TellerScore (81 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Mer Rouge State Bank leads on 4 and Gibsland Bank & Trust Company on 3. 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.