Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Hopeton State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The Hopeton State Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 59 | 63 (stronger) |
| Loan quality | 46 | 100 (stronger) |
| Earnings | 90 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 86 | 100 (stronger) |
| Peer percentile | 42nd | 28th |
| Total assets | $22.0M | $30.8M |
| Deposits / shares | $19.6M | $24.9M |
| Capital ratio | 10.89% | 11.32% (stronger) |
| Problem loans | 1.61% | 0.00% (stronger) |
| Net charge-offs | 0.45% | 0.00% (stronger) |
| Return on assets | 1.75% (stronger) | -0.79% |
| Loans ÷ deposits | 60.5% (stronger) | 81.3% |
| Uninsured deposits | 13.0% | 7.9% (stronger) |
| 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 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and The Hopeton State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.