Side-by-side · Q2 2026 data
Farmers & Merchants Bank of North Dakota vs First State Bank of Golva
Metric by metric
| Measure | Farmers & Merchants Bank of North Dakota | First State Bank of Golva |
|---|---|---|
| TellerScore | 73 (stronger) | 55 |
| Capital cushion | 60 (stronger) | 40 |
| Loan quality | 76 (stronger) | 16 |
| Earnings | 56 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 95 (stronger) | 66 |
| Peer percentile | 53rd | 11th |
| Total assets | $119.8M | $123.5M |
| Deposits / shares | $106.9M | $110.1M |
| Capital ratio | 10.99% (stronger) | 9.01% |
| Problem loans | 0.73% (stronger) | 2.51% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.89% | 2.29% (stronger) |
| Loans ÷ deposits | 43.6% (stronger) | 47.9% |
| Uninsured deposits | 12.3% (stronger) | 31.6% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of North Dakota has the higher TellerScore (73 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of North Dakota leads on 6 and First State Bank of Golva on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.