Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Farmers State Bank
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 83 | 91 (stronger) |
| Capital cushion | 86 | 94 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 67 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 84th | 99th |
| Total assets | $122.5M | $1.1B |
| Deposits / shares | $102.7M | $919.5M |
| Capital ratio | 13.62% | 14.37% (stronger) |
| Problem loans | 0.00% (stronger) | 0.21% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.00% | 2.17% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 93.7% |
| Uninsured deposits | 28.1% | 12.7% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.3% |
Farmers State Bank has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 2 and Farmers State Bank on 5. 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.