Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs South Story Bank & Trust
Metric by metric
| Measure | Farmers & Merchants Savings Bank | South Story Bank & Trust |
|---|---|---|
| TellerScore | 61 (stronger) | 57 |
| Capital cushion | 74 (stronger) | 59 |
| Loan quality | 43 | 74 (stronger) |
| Earnings | 66 (stronger) | 46 |
| Funding & liquidity | 46 (stronger) | 19 |
| Problem-loan coverage | 82 | 86 (stronger) |
| Peer percentile | 20th | 14th |
| Total assets | $616.8M | $623.9M |
| Deposits / shares | $516.0M | $491.3M |
| Capital ratio | 12.41% (stronger) | 10.93% |
| Problem loans | 1.70% | 0.78% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.05% |
| Return on assets | 1.14% (stronger) | 0.65% |
| Loans ÷ deposits | 87.5% (stronger) | 115.1% |
| Uninsured deposits | 39.1% (stronger) | 43.3% |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 1.8% |
Farmers & Merchants Savings Bank has the higher TellerScore (61 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 6 and South Story Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.