Side-by-side · Q2 2026 data
The Merchants National Bank vs The Hocking Valley Bank
Metric by metric
| Measure | The Merchants National Bank | The Hocking Valley Bank |
|---|---|---|
| TellerScore | 64 | 77 (stronger) |
| Capital cushion | 39 | 64 (stronger) |
| Loan quality | 82 | 82 |
| Earnings | 67 | 75 (stronger) |
| Funding & liquidity | 60 | 85 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 33rd | 68th |
| Total assets | $1.3B | $354.0M |
| Deposits / shares | $1.1B | $312.0M |
| Capital ratio | 8.91% | 11.44% (stronger) |
| Problem loans | 0.53% (stronger) | 0.54% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.17% | 1.37% (stronger) |
| Loans ÷ deposits | 85.0% | 65.6% (stronger) |
| Uninsured deposits | 28.6% | 23.3% (stronger) |
| Offices | 17 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hocking Valley Bank has the higher TellerScore (77 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 2 and The Hocking Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.