Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs KS Bank, Inc.
Metric by metric
| Measure | Farmers & Merchants Bank | KS Bank, Inc. |
|---|---|---|
| TellerScore | 90 (stronger) | 69 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 74 | 96 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 83 (stronger) | 56 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 95th | 40th |
| Total assets | $998.8M | $874.5M |
| Deposits / shares | $842.6M | $785.2M |
| Capital ratio | 15.25% (stronger) | 9.01% |
| Problem loans | 0.79% | 0.12% (stronger) |
| Net charge-offs | -0.28% (stronger) | 0.04% |
| Return on assets | 2.55% (stronger) | 1.33% |
| Loans ÷ deposits | 63.0% (stronger) | 91.0% |
| Uninsured deposits | 27.7% | 27.3% (stronger) |
| Offices | 12 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 5.3% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and KS Bank, Inc. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.