Side-by-side · Q2 2026 data
Farmers and Merchants Bank of St. Clair vs De Soto Mo Pac Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank of St. Clair | De Soto Mo Pac Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 58 |
| Capital cushion | 78 (stronger) | 47 |
| Loan quality | 100 (stronger) | 56 |
| Earnings | 68 (stronger) | 43 |
| Funding & liquidity | 83 | 85 (stronger) |
| Problem-loan coverage | 100 (stronger) | 82 |
| Peer percentile | 86th | 19th |
| Total assets | $343.5M | $30.5M |
| Deposits / shares | $301.1M | $27.4M |
| Capital ratio | 12.76% (stronger) | 9.74% |
| Problem loans | 0.00% (stronger) | 1.33% |
| Net charge-offs | 0.16% | -0.01% (stronger) |
| Return on assets | 1.19% (stronger) | 0.58% |
| Loans ÷ deposits | 77.0% | 74.8% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 15.2% |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | — |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of St. Clair leads on 5 and De Soto Mo Pac Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.