Side-by-side · Q2 2026 data
Farmers & Merchants Bank of North Dakota vs State Bank of Lakota
Metric by metric
| Measure | Farmers & Merchants Bank of North Dakota | State Bank of Lakota |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 60 (stronger) | 46 |
| Loan quality | 76 | 84 (stronger) |
| Earnings | 56 | 63 (stronger) |
| Funding & liquidity | 100 (stronger) | 93 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 53rd | 42nd |
| Total assets | $119.8M | $64.2M |
| Deposits / shares | $106.9M | $57.6M |
| Capital ratio | 10.99% (stronger) | 9.58% |
| Problem loans | 0.73% | 0.49% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.33% |
| Return on assets | 0.89% | 1.07% (stronger) |
| Loans ÷ deposits | 43.6% (stronger) | 66.9% |
| Uninsured deposits | 12.3% | 10.8% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of North Dakota has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of North Dakota leads on 4 and State Bank of Lakota on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.