Side-by-side · Q2 2026 data
The Merchants National Bank vs Community Savings Bank
Metric by metric
| Measure | The Merchants National Bank | Community Savings Bank |
|---|---|---|
| TellerScore | 64 | 80 (stronger) |
| Capital cushion | 39 | 98 (stronger) |
| Loan quality | 82 | 97 (stronger) |
| Earnings | 67 (stronger) | 38 |
| Funding & liquidity | 60 | 61 (stronger) |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 33rd | 77th |
| Total assets | $1.3B | $119.6M |
| Deposits / shares | $1.1B | $95.0M |
| Capital ratio | 8.91% | 14.76% (stronger) |
| Problem loans | 0.53% | 0.10% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.17% (stronger) | 0.45% |
| Loans ÷ deposits | 85.0% (stronger) | 96.7% |
| Uninsured deposits | 28.6% | 17.7% (stronger) |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Savings Bank has the higher TellerScore (80 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 2 and Community Savings Bank on 5. 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.
Where both have branches
- Greenfield, OH