Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs Ohnward Bank & Trust
Metric by metric
| Measure | Farmers & Merchants Savings Bank | Ohnward Bank & Trust |
|---|---|---|
| TellerScore | 61 | 74 (stronger) |
| Capital cushion | 74 | 76 (stronger) |
| Loan quality | 43 | 80 (stronger) |
| Earnings | 66 | 76 (stronger) |
| Funding & liquidity | 46 | 46 |
| Problem-loan coverage | 82 | 93 (stronger) |
| Peer percentile | 20th | 57th |
| Total assets | $616.8M | $499.1M |
| Deposits / shares | $516.0M | $417.6M |
| Capital ratio | 12.41% | 12.58% (stronger) |
| Problem loans | 1.70% | 0.60% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.14% | 1.39% (stronger) |
| Loans ÷ deposits | 87.5% (stronger) | 92.9% |
| Uninsured deposits | 39.1% | 33.7% (stronger) |
| Offices | 7 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Ohnward Bank & Trust has the higher TellerScore (74 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 2 and Ohnward Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Cedar Rapids, IA
- Monticello, IA