Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Peoples State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 71 | 85 (stronger) |
| Capital cushion | 59 | 80 (stronger) |
| Loan quality | 46 | 100 (stronger) |
| Earnings | 90 (stronger) | 70 |
| Funding & liquidity | 100 (stronger) | 80 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 42nd | 78th |
| Total assets | $22.0M | $13.9M |
| Deposits / shares | $19.6M | $12.1M |
| Capital ratio | 10.89% | 13.04% (stronger) |
| Problem loans | 1.61% | 0.00% (stronger) |
| Net charge-offs | 0.45% | -0.02% (stronger) |
| Return on assets | 1.75% (stronger) | 1.24% |
| Loans ÷ deposits | 60.5% (stronger) | 80.0% |
| Uninsured deposits | 13.0% | 4.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Peoples State Bank has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Peoples State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.