Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Citizens State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 78 | 78 |
| Capital cushion | 61 | 64 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 91 (stronger) | 80 |
| Funding & liquidity | 53 (stronger) | 50 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 72nd | 60th |
| Total assets | $215.4M | $35.6M |
| Deposits / shares | $165.1M | $27.8M |
| Capital ratio | 11.08% | 11.43% (stronger) |
| Problem loans | 0.19% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.78% (stronger) | 1.49% |
| Loans ÷ deposits | 107.1% (stronger) | 112.1% |
| Uninsured deposits | 12.4% | 4.4% (stronger) |
| Offices | 2 | 1 |
| 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 2 and Citizens State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.