Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Hills Bank and Trust Company
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Hills Bank and Trust Company |
|---|---|---|
| TellerScore | 83 | 84 (stronger) |
| Capital cushion | 86 (stronger) | 84 |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 60 | 100 (stronger) |
| Funding & liquidity | 69 (stronger) | 48 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 95th |
| Total assets | $122.5M | $4.8B |
| Deposits / shares | $102.7M | $3.5B |
| Capital ratio | 13.62% (stronger) | 13.36% |
| Problem loans | 0.00% (stronger) | 0.40% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.00% | 2.08% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 102.2% |
| Uninsured deposits | 28.1% | 23.8% (stronger) |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.6% |
Hills Bank and Trust Company has the higher TellerScore (84 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 4 and Hills Bank and Trust Company on 3. 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.