Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Peoples State Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 63 | 80 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 48 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 63rd | 78th |
| Total assets | $20.5M | $13.9M |
| Deposits / shares | $18.1M | $12.1M |
| Capital ratio | 11.30% | 13.04% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 0.71% | 1.24% (stronger) |
| Loans ÷ deposits | 34.8% (stronger) | 80.0% |
| Uninsured deposits | 10.1% | 4.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank has the higher TellerScore (85 vs 79). On the 6 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 1 and Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.