Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs State Bank of Reeseville
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | State Bank of Reeseville |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 64 (stronger) | 46 |
| Loan quality | 70 | 100 (stronger) |
| Earnings | 64 (stronger) | 52 |
| Funding & liquidity | 66 (stronger) | 59 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 37th | 37th |
| Total assets | $175.1M | $169.5M |
| Deposits / shares | $149.4M | $139.6M |
| Capital ratio | 11.36% (stronger) | 9.58% |
| Problem loans | 0.91% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.10% (stronger) | 0.79% |
| Loans ÷ deposits | 82.7% | 66.1% (stronger) |
| Uninsured deposits | 25.2% (stronger) | 47.2% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 4 and State Bank of Reeseville on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.