Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs State Savings Bank
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | State Savings Bank |
|---|---|---|
| TellerScore | 60 | 70 (stronger) |
| Capital cushion | 57 (stronger) | 50 |
| Loan quality | 45 | 76 (stronger) |
| Earnings | 57 | 91 (stronger) |
| Funding & liquidity | 82 (stronger) | 59 |
| Problem-loan coverage | 78 | 89 (stronger) |
| Peer percentile | 19th | 43rd |
| Total assets | $208.2M | $207.2M |
| Deposits / shares | $187.0M | $181.3M |
| Capital ratio | 10.73% (stronger) | 10.04% |
| Problem loans | 1.66% | 0.72% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 0.91% | 1.78% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 101.3% |
| Uninsured deposits | 24.2% | 14.3% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Savings Bank has the higher TellerScore (70 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 3 and State Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.