Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First State Bank in Temple
Metric by metric
| Measure | Farmers and Merchants Bank | First State Bank in Temple |
|---|---|---|
| TellerScore | 71 (stronger) | 64 |
| Capital cushion | 59 | 100 (stronger) |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 90 (stronger) | 62 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 (stronger) | 66 |
| Peer percentile | 42nd | 24th |
| Total assets | $22.0M | $26.4M |
| Deposits / shares | $19.6M | $21.5M |
| Capital ratio | 10.89% | 22.19% (stronger) |
| Problem loans | 1.61% (stronger) | 8.60% |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 1.75% (stronger) | 1.06% |
| Loans ÷ deposits | 60.5% | 45.2% (stronger) |
| Uninsured deposits | 13.0% (stronger) | 14.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and First State Bank in Temple on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.