Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs The Security State Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | The Security State Bank |
|---|---|---|
| TellerScore | 79 | 91 (stronger) |
| Capital cushion | 82 | 91 (stronger) |
| Loan quality | 88 (stronger) | 80 |
| Earnings | 51 | 97 (stronger) |
| Funding & liquidity | 83 | 97 (stronger) |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 75th | 90th |
| Total assets | $146.0M | $70.5M |
| Deposits / shares | $128.7M | $61.0M |
| Capital ratio | 13.24% | 14.11% (stronger) |
| Problem loans | 0.36% (stronger) | 0.59% |
| Net charge-offs | 0.16% | 0.10% (stronger) |
| Return on assets | 0.77% | 1.92% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 52.9% |
| Uninsured deposits | 31.0% | 18.2% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Security State Bank has the higher TellerScore (91 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 2 and The Security State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mcrae, GA