Side-by-side · Q2 2026 data
The Merchants National Bank vs Consumers National Bank
Metric by metric
| Measure | The Merchants National Bank | Consumers National Bank |
|---|---|---|
| TellerScore | 64 | 65 (stronger) |
| Capital cushion | 39 (stronger) | 34 |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 67 (stronger) | 58 |
| Funding & liquidity | 60 (stronger) | 57 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 33rd | 36th |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 8.91% (stronger) | 8.35% |
| Problem loans | 0.53% | 0.07% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.17% (stronger) | 0.95% |
| Loans ÷ deposits | 85.0% | 82.9% (stronger) |
| Uninsured deposits | 28.6% (stronger) | 33.0% |
| Offices | 17 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.1% |
Consumers National Bank has the higher TellerScore (65 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 4 and Consumers National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.