Side-by-side · Q2 2026 data
The Merchants National Bank vs The Wilmington Savings Bank
Metric by metric
| Measure | The Merchants National Bank | The Wilmington Savings Bank |
|---|---|---|
| TellerScore | 64 | 72 (stronger) |
| Capital cushion | 39 | 96 (stronger) |
| Loan quality | 82 (stronger) | 73 |
| Earnings | 67 (stronger) | 51 |
| Funding & liquidity | 60 (stronger) | 39 |
| Problem-loan coverage | 92 | 92 |
| Peer percentile | 33rd | 50th |
| Total assets | $1.3B | $267.3M |
| Deposits / shares | $1.1B | $228.1M |
| Capital ratio | 8.91% | 14.61% (stronger) |
| Problem loans | 0.53% (stronger) | 0.82% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.17% (stronger) | 0.78% |
| Loans ÷ deposits | 85.0% (stronger) | 90.9% |
| Uninsured deposits | 28.6% (stronger) | 42.5% |
| Offices | 17 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Wilmington Savings Bank has the higher TellerScore (72 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Merchants National Bank leads on 4 and The Wilmington Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.