Side-by-side · Q2 2026 data
Farmers & Merchants State Bank vs Great North Bank
Metric by metric
| Measure | Farmers & Merchants State Bank | Great North Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 44 |
| Capital cushion | 61 (stronger) | 38 |
| Loan quality | 100 (stronger) | 53 |
| Earnings | 57 (stronger) | 0 |
| Funding & liquidity | 50 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 88 |
| Peer percentile | 50th | 4th |
| Total assets | $245.6M | $233.4M |
| Deposits / shares | $183.0M | $174.4M |
| Capital ratio | 11.13% (stronger) | 8.84% |
| Problem loans | 0.00% (stronger) | 1.40% |
| Net charge-offs | -0.01% (stronger) | 1.11% |
| Return on assets | 0.92% (stronger) | -0.86% |
| Loans ÷ deposits | 115.7% | 88.2% (stronger) |
| Uninsured deposits | 15.1% | 8.2% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | — |
Farmers & Merchants State Bank has the higher TellerScore (72 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank leads on 5 and Great North Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.