Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Houghton State Bank
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Houghton State Bank |
|---|---|---|
| TellerScore | 60 | 69 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 45 (stronger) | 14 |
| Earnings | 57 | 83 (stronger) |
| Funding & liquidity | 82 (stronger) | 70 |
| Problem-loan coverage | 78 | 80 (stronger) |
| Peer percentile | 19th | 40th |
| Total assets | $208.2M | $204.8M |
| Deposits / shares | $187.0M | $169.2M |
| Capital ratio | 10.73% | 15.39% (stronger) |
| Problem loans | 1.66% (stronger) | 2.58% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 0.91% | 1.56% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 85.7% |
| Uninsured deposits | 24.2% | 19.4% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.2% |
Houghton State Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 3 and Houghton State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.