Side-by-side · Q2 2026 data
The Merchants National Bank vs Southern Hills Community Bank
Metric by metric
| Measure | The Merchants National Bank | Southern Hills Community Bank |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 39 | 88 (stronger) |
| Loan quality | 82 (stronger) | 47 |
| Earnings | 67 (stronger) | 45 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 92 (stronger) | 86 |
| Peer percentile | 33rd | 47th |
| Total assets | $1.3B | $209.6M |
| Deposits / shares | $1.1B | $179.5M |
| Capital ratio | 8.91% | 13.77% (stronger) |
| Problem loans | 0.53% (stronger) | 1.58% |
| Net charge-offs | 0.00% (stronger) | 0.14% |
| Return on assets | 1.17% (stronger) | 0.62% |
| Loans ÷ deposits | 85.0% | 57.2% (stronger) |
| Uninsured deposits | 28.6% | 14.9% (stronger) |
| Offices | 17 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 22.4% |
Southern Hills Community Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 3 and Southern Hills Community Bank on 4. 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
- Hillsboro, OH
- Greenfield, OH
- Georgetown, OH