Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Security State Bank
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Security State Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 44 |
| Capital cushion | 86 (stronger) | 33 |
| Loan quality | 100 (stronger) | 4 |
| Earnings | 60 | 63 (stronger) |
| Funding & liquidity | 69 | 93 (stronger) |
| Problem-loan coverage | 100 (stronger) | 70 |
| Peer percentile | 84th | 4th |
| Total assets | $122.5M | $119.0M |
| Deposits / shares | $102.7M | $109.0M |
| Capital ratio | 13.62% (stronger) | 8.27% |
| Problem loans | 0.00% (stronger) | 2.88% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.00% | 1.07% (stronger) |
| Loans ÷ deposits | 76.4% | 49.4% (stronger) |
| Uninsured deposits | 28.1% | 21.6% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 44). On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 3 and Security State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.