Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs Community Savings Bank
Metric by metric
| Measure | Farmers & Merchants Savings Bank | Community Savings Bank |
|---|---|---|
| TellerScore | 61 | 65 (stronger) |
| Capital cushion | 74 (stronger) | 51 |
| Loan quality | 43 | 79 (stronger) |
| Earnings | 66 (stronger) | 61 |
| Funding & liquidity | 46 | 60 (stronger) |
| Problem-loan coverage | 82 | 85 (stronger) |
| Peer percentile | 20th | 29th |
| Total assets | $616.8M | $613.6M |
| Deposits / shares | $516.0M | $501.4M |
| Capital ratio | 12.41% (stronger) | 10.05% |
| Problem loans | 1.70% | 0.63% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.18% |
| Return on assets | 1.14% (stronger) | 1.02% |
| Loans ÷ deposits | 87.5% | 83.8% (stronger) |
| Uninsured deposits | 39.1% | 29.2% (stronger) |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 16.2% |
Community Savings Bank has the higher TellerScore (65 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 3 and Community Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cedar Rapids, IA
- Manchester, IA