Side-by-side · Q2 2026 data
Citizens State Bank vs Farmers & Merchants State Bank
Metric by metric
| Measure | Citizens State Bank | Farmers & Merchants State Bank |
|---|---|---|
| TellerScore | 58 | 72 (stronger) |
| Capital cushion | 38 | 61 (stronger) |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 68 (stronger) | 57 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 80 | 100 (stronger) |
| Peer percentile | 16th | 50th |
| Total assets | $237.6M | $245.6M |
| Deposits / shares | $196.8M | $183.0M |
| Capital ratio | 8.77% | 11.13% (stronger) |
| Problem loans | 0.99% | 0.00% (stronger) |
| Net charge-offs | -0.00% | -0.01% (stronger) |
| Return on assets | 1.21% (stronger) | 0.92% |
| Loans ÷ deposits | 100.5% (stronger) | 115.7% |
| Uninsured deposits | 16.9% | 15.1% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.1% |
Farmers & Merchants State Bank has the higher TellerScore (72 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 2 and Farmers & Merchants State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.