Side-by-side · Q2 2026 data
The Merchants National Bank vs Liberty Savings Bank, F.S.B.
Metric by metric
| Measure | The Merchants National Bank | Liberty Savings Bank, F.S.B. |
|---|---|---|
| TellerScore | 64 (stronger) | 52 |
| Capital cushion | 39 | 46 (stronger) |
| Loan quality | 82 (stronger) | 53 |
| Earnings | 67 (stronger) | 35 |
| Funding & liquidity | 60 | 71 (stronger) |
| Problem-loan coverage | 92 (stronger) | 74 |
| Peer percentile | 33rd | 9th |
| Total assets | $1.3B | $1.1B |
| Deposits / shares | $1.1B | $961.3M |
| Capital ratio | 8.91% | 9.61% (stronger) |
| Problem loans | 0.53% (stronger) | 1.42% |
| Net charge-offs | 0.00% (stronger) | 0.21% |
| Return on assets | 1.17% (stronger) | 0.36% |
| Loans ÷ deposits | 85.0% | 80.4% (stronger) |
| Uninsured deposits | 28.6% | 23.2% (stronger) |
| Offices | 17 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Merchants National Bank has the higher TellerScore (64 vs 52). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 4 and Liberty Savings Bank, F.S.B. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.