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 | 85 (stronger) | 75 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 50 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 88th | 61st |
| Total assets | $269.8M | $270.1M |
| Deposits / shares | $232.9M | $239.6M |
| Capital ratio | 11.97% (stronger) | 10.74% |
| Problem loans | 0.00% (stronger) | 0.44% |
| Net charge-offs | 0.33% (stronger) | 0.38% |
| Return on assets | 1.49% | 2.55% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 87.4% |
| Uninsured deposits | 27.8% (stronger) | 35.6% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 6 and Citizens State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.