Side-by-side · Q2 2026 data
The Merchants National Bank vs The North Side Bank and Trust Company
Metric by metric
| Measure | The Merchants National Bank | The North Side Bank and Trust Company |
|---|---|---|
| TellerScore | 64 | 74 (stronger) |
| Capital cushion | 39 | 62 (stronger) |
| Loan quality | 82 | 97 (stronger) |
| Earnings | 67 (stronger) | 65 |
| Funding & liquidity | 60 (stronger) | 55 |
| Problem-loan coverage | 92 | 99 (stronger) |
| Peer percentile | 33rd | 74th |
| Total assets | $1.3B | $1.2B |
| Deposits / shares | $1.1B | $989.5M |
| Capital ratio | 8.91% | 11.16% (stronger) |
| Problem loans | 0.53% | 0.10% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.33% |
| Return on assets | 1.17% (stronger) | 1.12% |
| Loans ÷ deposits | 85.0% | 75.1% (stronger) |
| Uninsured deposits | 28.6% (stronger) | 42.1% |
| Offices | 17 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The North Side Bank and Trust Company has the higher TellerScore (74 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 3 and The North Side Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.