Side-by-side · Q2 2026 data
Farmers & Merchants Bank of North Dakota vs Farmers and Merchants State Bank
Metric by metric
| Measure | Farmers & Merchants Bank of North Dakota | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 76 (stronger) | 38 |
| Earnings | 56 | 82 (stronger) |
| Funding & liquidity | 100 (stronger) | 60 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 53rd | 57th |
| Total assets | $119.8M | $143.1M |
| Deposits / shares | $106.9M | $105.6M |
| Capital ratio | 10.99% | 15.70% (stronger) |
| Problem loans | 0.73% (stronger) | 1.86% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.89% | 1.54% (stronger) |
| Loans ÷ deposits | 43.6% (stronger) | 75.8% |
| Uninsured deposits | 12.3% (stronger) | 36.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of North Dakota leads on 4 and Farmers and Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.