Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | First State Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 49 |
| Capital cushion | 80 (stronger) | 54 |
| Loan quality | 86 (stronger) | 25 |
| Earnings | 82 (stronger) | 33 |
| Funding & liquidity | 86 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 58 |
| Peer percentile | 78th | 9th |
| Total assets | $80.3M | $82.1M |
| Deposits / shares | $69.9M | $74.1M |
| Capital ratio | 13.00% (stronger) | 10.37% |
| Problem loans | 0.42% (stronger) | 2.25% |
| Net charge-offs | 0.82% | 0.60% (stronger) |
| Return on assets | 1.56% (stronger) | 0.33% |
| Loans ÷ deposits | 34.4% (stronger) | 69.2% |
| Uninsured deposits | 27.8% | 8.9% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 49). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and First State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.