Side-by-side · Q2 2026 data
The Merchants National Bank vs First State Bank
Metric by metric
| Measure | The Merchants National Bank | First State Bank |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 39 | 55 (stronger) |
| Loan quality | 82 (stronger) | 71 |
| Earnings | 67 (stronger) | 64 |
| Funding & liquidity | 60 | 89 (stronger) |
| Problem-loan coverage | 92 (stronger) | 91 |
| Peer percentile | 33rd | 58th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 8.91% | 10.47% (stronger) |
| Problem loans | 0.53% (stronger) | 0.86% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.17% (stronger) | 1.10% |
| Loans ÷ deposits | 85.0% | 51.5% (stronger) |
| Uninsured deposits | 28.6% | 25.0% (stronger) |
| Offices | 17 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 3 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Hillsboro, OH
- Wilmington, OH
- Georgetown, OH
- Mount Orab, OH
- Washington Court House, OH