Bank Comparison
Flushing Savings Bank, FSB vs Merrick Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| CET1 Ratio | 13.89% | 17.81% |
| Tier 1 Capital Ratio | 13.89% | 17.81% |
| Total Capital Ratio | 14.59% | 19.22% |
| Tier 1 Leverage Ratio | 10.45% | 17.11% |
| Equity / Assets | 10.41% | 18.80% |
Profitability
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| Return on Assets (ROA) | 0.53% | 3.24% |
| Return on Equity (ROE) | 5.14% | 16.90% |
| Net Interest Margin (NIM) | 2.84% | 16.58% |
| Yield on Earning Assets | 5.48% | 19.26% |
| Cost of Funds | 2.87% | 3.66% |
Asset quality
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| Texas Ratio | 8.64% | 14.08% |
| Non-Performing Loan Ratio | 1.27% | 1.27% |
| Non-Performing Asset Ratio | 0.94% | 1.22% |
| Net Charge-Off Ratio | 0.03% | 11.77% |
| ACL / Loans | 0.68% | 15.37% |
Balance sheet
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| Total Assets | $8,860M | $8,933M |
| Total Deposits | $7,596M | $7,124M |
| Total Loans | $6,561M | $8,611M |
| Total Equity | $922,694K | $1,679M |
| Net Income (quarter) | $11,793K | $75,176K |
Liquidity & funding
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 86.37% | 120.88% |
| Core Deposit Ratio | 78.85% | 15.73% |
| Uninsured Deposit Ratio | 36.31% | 3.21% |
Identity
| Metric | Flushing Savings Bank, FSB | Merrick Bank |
|---|---|---|
| Headquarters City | Flushing | SOUTH JORDAN |
| Headquarters State | NY | UT |
| Asset Tier | 4: $1B-10B | 4: $1B-10B |
| Charter Class | 711990 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 30 | 1 |
| Employees (FTE) | 574 | 538 |
| Established | June 1, 1929, midnight | Sept. 22, 1997, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of March 31, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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