Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Farmers State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 90 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 93 (stronger) | 91 |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 99th | 95th |
| Total assets | $170.7M | $156.2M |
| Deposits / shares | $145.6M | $134.3M |
| Capital ratio | 16.16% (stronger) | 13.92% |
| Problem loans | 0.21% (stronger) | 0.28% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 2.05% | 2.15% (stronger) |
| Loans ÷ deposits | 40.1% (stronger) | 90.3% |
| Uninsured deposits | 30.5% | 15.1% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (96 vs 90). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Farmers State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.