Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs FirstState Bank
Metric by metric
| Measure | Farmers and Merchants Bank | FirstState Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 66 (stronger) | 61 |
| Loan quality | 67 | 76 (stronger) |
| Earnings | 63 (stronger) | 51 |
| Funding & liquidity | 80 | 95 (stronger) |
| Problem-loan coverage | 89 (stronger) | 87 |
| Peer percentile | 43rd | 43rd |
| Total assets | $307.6M | $349.4M |
| Deposits / shares | $276.9M | $323.9M |
| Capital ratio | 11.56% (stronger) | 11.14% |
| Problem loans | 0.98% | 0.72% (stronger) |
| Net charge-offs | 0.14% (stronger) | 0.16% |
| Return on assets | 1.08% (stronger) | 0.77% |
| Loans ÷ deposits | 45.6% (stronger) | 46.6% |
| Uninsured deposits | 33.3% | 19.7% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and FirstState Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.