Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs Peoples State Bank
Metric by metric
| Measure | Farmers & Merchants Savings Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 61 | 80 (stronger) |
| Capital cushion | 74 (stronger) | 65 |
| Loan quality | 43 | 93 (stronger) |
| Earnings | 66 | 79 (stronger) |
| Funding & liquidity | 46 | 78 (stronger) |
| Problem-loan coverage | 82 | 98 (stronger) |
| Peer percentile | 20th | 77th |
| Total assets | $616.8M | $993.0M |
| Deposits / shares | $516.0M | $810.8M |
| Capital ratio | 12.41% (stronger) | 11.54% |
| Problem loans | 1.70% | 0.21% (stronger) |
| Net charge-offs | -0.01% | -0.04% (stronger) |
| Return on assets | 1.14% | 1.47% (stronger) |
| Loans ÷ deposits | 87.5% | 78.6% (stronger) |
| Uninsured deposits | 39.1% | 18.1% (stronger) |
| Offices | 7 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 6.2% |
Peoples State Bank has the higher TellerScore (80 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 1 and Peoples State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.