Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Farmers State Bank
Metric by metric
| Measure | Farmers & Merchants Bank | The Farmers State Bank |
|---|---|---|
| TellerScore | 74 | 75 (stronger) |
| Capital cushion | 72 (stronger) | 59 |
| Loan quality | 65 | 91 (stronger) |
| Earnings | 94 (stronger) | 73 |
| Funding & liquidity | 58 | 68 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 57th | 61st |
| Total assets | $359.4M | $329.6M |
| Deposits / shares | $307.3M | $289.6M |
| Capital ratio | 12.16% (stronger) | 10.86% |
| Problem loans | 1.04% | 0.28% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.85% (stronger) | 1.34% |
| Loans ÷ deposits | 92.9% | 80.1% (stronger) |
| Uninsured deposits | 23.4% (stronger) | 25.9% |
| Offices | 5 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.9% |
The Farmers State Bank has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 4 and The Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.