Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs Mount Vernon Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | Mount Vernon Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 71 |
| Capital cushion | 82 (stronger) | 53 |
| Loan quality | 88 (stronger) | 79 |
| Earnings | 51 | 71 (stronger) |
| Funding & liquidity | 83 (stronger) | 82 |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 75th | 47th |
| Total assets | $146.0M | $217.6M |
| Deposits / shares | $128.7M | $199.7M |
| Capital ratio | 13.24% (stronger) | 10.26% |
| Problem loans | 0.36% (stronger) | 0.64% |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 0.77% | 1.27% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 71.0% |
| Uninsured deposits | 31.0% | 21.5% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Merchants & Citizens Bank has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 4 and Mount Vernon Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.