Side-by-side · Q2 2026 data
Badger Bank vs Farmers & Merchants State Bank
Metric by metric
| Measure | Badger Bank | Farmers & Merchants State Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 72 |
| Capital cushion | 74 (stronger) | 61 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 75 (stronger) | 57 |
| Funding & liquidity | 70 (stronger) | 50 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 82nd | 50th |
| Total assets | $206.0M | $245.6M |
| Deposits / shares | $164.6M | $183.0M |
| Capital ratio | 12.40% (stronger) | 11.13% |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.37% (stronger) | 0.92% |
| Loans ÷ deposits | 84.4% (stronger) | 115.7% |
| Uninsured deposits | 20.1% | 15.1% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | 6.1% |
Badger Bank has the higher TellerScore (82 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Badger Bank leads on 4 and Farmers & Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.