Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs Marion County State Bank
Metric by metric
| Measure | Farmers & Merchants Savings Bank | Marion County State Bank |
|---|---|---|
| TellerScore | 61 | 75 (stronger) |
| Capital cushion | 74 (stronger) | 54 |
| Loan quality | 43 | 91 (stronger) |
| Earnings | 66 | 94 (stronger) |
| Funding & liquidity | 46 | 52 (stronger) |
| Problem-loan coverage | 82 | 95 (stronger) |
| Peer percentile | 20th | 61st |
| Total assets | $616.8M | $628.6M |
| Deposits / shares | $516.0M | $546.6M |
| Capital ratio | 12.41% (stronger) | 10.41% |
| Problem loans | 1.70% | 0.27% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.14% | 1.84% (stronger) |
| Loans ÷ deposits | 87.5% (stronger) | 88.7% |
| Uninsured deposits | 39.1% | 32.6% (stronger) |
| Offices | 7 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Marion County State Bank has the higher TellerScore (75 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 3 and Marion County State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.