Side-by-side · Q2 2026 data
The Merchants National Bank vs The Richwood Banking Company
Metric by metric
| Measure | The Merchants National Bank | The Richwood Banking Company |
|---|---|---|
| TellerScore | 64 | 64 |
| Capital cushion | 39 | 58 (stronger) |
| Loan quality | 82 (stronger) | 57 |
| Earnings | 67 | 70 (stronger) |
| Funding & liquidity | 60 | 70 (stronger) |
| Problem-loan coverage | 92 (stronger) | 83 |
| Peer percentile | 33rd | 33rd |
| Total assets | $1.3B | $1.3B |
| Deposits / shares | $1.1B | $1.1B |
| Capital ratio | 8.91% | 10.76% (stronger) |
| Problem loans | 0.53% (stronger) | 1.28% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 1.17% | 1.26% (stronger) |
| Loans ÷ deposits | 85.0% | 82.7% (stronger) |
| Uninsured deposits | 28.6% | 22.3% (stronger) |
| Offices | 17 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 2 and The Richwood Banking Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.