Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Farmers and Merchants State Bank, Bloomfield, Nebraska
Bank
Farmers and Merchants State Bank, Bloomfield, Nebraska
Bloomfield, Nebraska · $100 million – $1 billion
Metric by metric
| Measure | Citizens Bank & Trust Company | Farmers and Merchants State Bank, Bloomfield, Nebraska |
|---|---|---|
| TellerScore | 54 | 77 (stronger) |
| Capital cushion | 64 (stronger) | 45 |
| Loan quality | 19 | 98 (stronger) |
| Earnings | 56 | 85 (stronger) |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 68 | 99 (stronger) |
| Peer percentile | 10th | 68th |
| Total assets | $242.3M | $232.9M |
| Deposits / shares | $199.8M | $209.7M |
| Capital ratio | 11.45% (stronger) | 9.45% |
| Problem loans | 2.42% | 0.07% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.89% | 1.62% (stronger) |
| Loans ÷ deposits | 80.1% | 62.1% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 31.6% |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.4% | — |
Farmers and Merchants State Bank, Bloomfield, Nebraska has the higher TellerScore (77 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Farmers and Merchants State Bank, Bloomfield, Nebraska on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.