Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs The Peoples Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | The Peoples Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 73 |
| Capital cushion | 82 (stronger) | 74 |
| Loan quality | 88 (stronger) | 70 |
| Earnings | 51 (stronger) | 49 |
| Funding & liquidity | 83 | 93 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 75th | 53rd |
| Total assets | $146.0M | $109.3M |
| Deposits / shares | $128.7M | $95.2M |
| Capital ratio | 13.24% (stronger) | 12.45% |
| Problem loans | 0.36% (stronger) | 0.89% |
| Net charge-offs | 0.16% | 0.03% (stronger) |
| Return on assets | 0.77% (stronger) | 0.71% |
| Loans ÷ deposits | 40.4% | 39.0% (stronger) |
| Uninsured deposits | 31.0% | 21.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Merchants & Citizens Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 4 and The Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.