Side-by-side · Q2 2026 data
Cherokee State Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Cherokee State Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 78 |
| Capital cushion | 80 (stronger) | 57 |
| Loan quality | 100 | 100 |
| Earnings | 61 | 68 (stronger) |
| Funding & liquidity | 78 | 80 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 84th | 72nd |
| Total assets | $271.1M | $271.7M |
| Deposits / shares | $218.9M | $241.1M |
| Capital ratio | 13.03% (stronger) | 10.68% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | -0.11% (stronger) | 0.03% |
| Return on assets | 1.03% | 1.20% (stronger) |
| Loans ÷ deposits | 82.5% | 68.2% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 26.3% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Cherokee State Bank has the higher TellerScore (83 vs 78). On the 6 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 4 and Farmers and Merchants State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.