Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First Southern State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | First Southern State Bank |
|---|---|---|
| TellerScore | 75 | 77 (stronger) |
| Capital cushion | 77 (stronger) | 56 |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 54 | 78 (stronger) |
| Funding & liquidity | 89 (stronger) | 80 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 61st | 68th |
| Total assets | $308.7M | $893.5M |
| Deposits / shares | $268.6M | $807.2M |
| Capital ratio | 12.73% (stronger) | 10.59% |
| Problem loans | 0.78% | 0.25% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.12% |
| Return on assets | 0.85% | 1.46% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 61.3% |
| Uninsured deposits | 25.6% (stronger) | 31.9% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
First Southern State Bank has the higher TellerScore (77 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and First Southern State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.