Side-by-side · Q2 2026 data
Farmers and Mechanics Federal Savings Bank vs Union Savings Bank
Bank
Farmers and Mechanics Federal Savings Bank
Bloomfield, Indiana · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Mechanics Federal Savings Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 54 | 74 (stronger) |
| Capital cushion | 18 | 55 (stronger) |
| Loan quality | 100 (stronger) | 77 |
| Earnings | 10 | 100 (stronger) |
| Funding & liquidity | 99 (stronger) | 61 |
| Problem-loan coverage | 69 | 88 (stronger) |
| Peer percentile | 10th | 74th |
| Total assets | $113.6M | $4.0B |
| Deposits / shares | $105.8M | $3.5B |
| Capital ratio | 6.79% | 10.51% (stronger) |
| Problem loans | 0.00% (stronger) | 0.70% |
| Net charge-offs | 0.23% | -0.01% (stronger) |
| Return on assets | -0.25% | 2.01% (stronger) |
| Loans ÷ deposits | 61.0% (stronger) | 99.7% |
| Uninsured deposits | 12.5% (stronger) | 13.4% |
| Offices | 3 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.8% | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Mechanics Federal Savings Bank leads on 3 and Union Savings 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.