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 | 85 (stronger) | 81 |
| Capital cushion | 70 (stronger) | 51 |
| Loan quality | 100 | 100 |
| Earnings | 80 | 81 (stronger) |
| Funding & liquidity | 84 | 97 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 88th | 80th |
| Total assets | $269.8M | $308.8M |
| Deposits / shares | $232.9M | $275.9M |
| Capital ratio | 11.97% (stronger) | 10.08% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.33% | 0.00% (stronger) |
| Return on assets | 1.49% | 1.52% (stronger) |
| Loans ÷ deposits | 62.7% | 60.5% (stronger) |
| Uninsured deposits | 27.8% | 17.9% (stronger) |
| Offices | 6 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 81). On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and First State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.