Side-by-side · Q2 2026 data
Citizens State Bank vs Farmers & Merchants Savings Bank
Metric by metric
| Measure | Citizens State Bank | Farmers & Merchants Savings Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 61 |
| Capital cushion | 65 | 74 (stronger) |
| Loan quality | 51 (stronger) | 43 |
| Earnings | 67 (stronger) | 66 |
| Funding & liquidity | 86 (stronger) | 46 |
| Problem-loan coverage | 77 | 82 (stronger) |
| Peer percentile | 31st | 20th |
| Total assets | $594.4M | $616.8M |
| Deposits / shares | $537.8M | $516.0M |
| Capital ratio | 11.48% | 12.41% (stronger) |
| Problem loans | 1.46% (stronger) | 1.70% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.17% (stronger) | 1.14% |
| Loans ÷ deposits | 60.3% (stronger) | 87.5% |
| Uninsured deposits | 27.0% (stronger) | 39.1% |
| Offices | 8 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | 5.3% |
Citizens State Bank has the higher TellerScore (66 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 5 and Farmers & Merchants Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Manchester, IA
- Monticello, IA