Bank Comparison
Tanager Bank vs Merchants State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 16
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| CET1 Ratio | 26.21% | — |
| Tier 1 Capital Ratio | 26.21% | — |
| Total Capital Ratio | 27.18% | — |
| Tier 1 Leverage Ratio | 8.15% | 17.13% |
| Equity / Assets | 6.00% | 15.48% |
Profitability
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| Return on Assets (ROA) | 0.03% | 1.61% |
| Return on Equity (ROE) | 0.63% | 10.71% |
| Net Interest Margin (NIM) | 1.31% | 4.48% |
| Yield on Earning Assets | 3.75% | 5.97% |
| Cost of Funds | 2.62% | 1.69% |
Asset quality
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| Texas Ratio | 3.31% | 1.39% |
| Non-Performing Loan Ratio | 0.59% | 0.33% |
| Non-Performing Asset Ratio | 0.19% | 0.22% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 1.37% | 0.64% |
Balance sheet
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| Total Assets | $216,935K | $217,586K |
| Total Deposits | $201,900K | $176,450K |
| Total Loans | $69,356K | $147,526K |
| Total Equity | $13,014K | $33,683K |
| Net Income (quarter) | $21 | $895 |
Liquidity & funding
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 34.35% | 83.61% |
| Core Deposit Ratio | 64.66% | 90.87% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tanager Bank | Merchants State Bank |
|---|---|---|
| Headquarters City | JACKSON | FREEMAN |
| Headquarters State | WY | SD |
| Asset Tier | 5: $100M-1B | 5: $100M-1B |
| Charter Class | 0 | 0 |
| Regulator | FED | FED |
| Domestic Branches | 3 | 4 |
| Employees (FTE) | 14 | 31 |
| Established | Sept. 16, 1919, midnight | Aug. 8, 1899, 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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