Side-by-side · Q2 2026 data
Central State Bank vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | Central State Bank | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 53 | 86 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 89 (stronger) | 60 |
| Funding & liquidity | 49 | 69 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 64th | 84th |
| Total assets | $419.3M | $122.5M |
| Deposits / shares | $344.4M | $102.7M |
| Capital ratio | 10.27% | 13.62% (stronger) |
| Problem loans | 0.02% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.73% (stronger) | 1.00% |
| Loans ÷ deposits | 93.9% | 76.4% (stronger) |
| Uninsured deposits | 30.7% | 28.1% (stronger) |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Central State Bank leads on 1 and Farmers and Merchants Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.