Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Iowa Falls State Bank
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Iowa Falls State Bank |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 57 (stronger) | 36 |
| Loan quality | 45 | 92 (stronger) |
| Earnings | 57 | 67 (stronger) |
| Funding & liquidity | 82 | 94 (stronger) |
| Problem-loan coverage | 78 | 98 (stronger) |
| Peer percentile | 19th | 47th |
| Total assets | $208.2M | $201.5M |
| Deposits / shares | $187.0M | $162.8M |
| Capital ratio | 10.73% (stronger) | 8.64% |
| Problem loans | 1.66% | 0.25% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.91% | 1.19% (stronger) |
| Loans ÷ deposits | 67.8% | 59.9% (stronger) |
| Uninsured deposits | 24.2% | 20.6% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Iowa Falls State Bank has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 2 and Iowa Falls State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.