Side-by-side · Q2 2026 data
Choice Financial Group vs Farmers and Merchants State Bank
Metric by metric
| Measure | Choice Financial Group | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 77 (stronger) | 38 |
| Earnings | 72 | 82 (stronger) |
| Funding & liquidity | 86 (stronger) | 60 |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 70th | 57th |
| Total assets | $6.4B | $143.1M |
| Deposits / shares | $5.1B | $105.6M |
| Capital ratio | 10.84% | 15.70% (stronger) |
| Problem loans | 0.68% (stronger) | 1.86% |
| Net charge-offs | 0.31% | 0.00% (stronger) |
| Return on assets | 1.30% | 1.54% (stronger) |
| Loans ÷ deposits | 62.0% (stronger) | 75.8% |
| Uninsured deposits | 26.5% (stronger) | 36.9% |
| Offices | 18 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.6% | — |
Farmers and Merchants State Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Choice Financial Group leads on 3 and Farmers and Merchants State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Langdon, ND