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 | 78 | 84 (stronger) |
| Capital cushion | 61 | 68 (stronger) |
| Loan quality | 94 | 100 (stronger) |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 53 | 60 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 72nd | 86th |
| Total assets | $215.4M | $232.5M |
| Deposits / shares | $165.1M | $195.7M |
| Capital ratio | 11.08% | 11.76% (stronger) |
| Problem loans | 0.19% | 0.01% (stronger) |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.78% | 2.57% (stronger) |
| Loans ÷ deposits | 107.1% | 89.2% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 25.0% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (84 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and First State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.