Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs Carver State Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | Carver State Bank |
|---|---|---|
| TellerScore | 79 | 89 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 51 | 60 (stronger) |
| Funding & liquidity | 83 | 100 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 75th | 94th |
| Total assets | $146.0M | $111.2M |
| Deposits / shares | $128.7M | $93.1M |
| Capital ratio | 13.24% | 14.99% (stronger) |
| Problem loans | 0.36% (stronger) | 0.37% |
| Net charge-offs | 0.16% (stronger) | 1.21% |
| Return on assets | 0.77% | 1.00% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 50.0% |
| Uninsured deposits | 31.0% | 15.6% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carver State Bank has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 3 and Carver State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.