Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Charter Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Charter Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 57 | 60 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 68 | 90 (stronger) |
| Funding & liquidity | 80 (stronger) | 79 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 84th |
| Total assets | $271.7M | $227.5M |
| Deposits / shares | $241.1M | $203.5M |
| Capital ratio | 10.68% | 11.03% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.20% | 1.75% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 80.8% |
| Uninsured deposits | 26.3% | 13.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | 2.0% |
Charter Bank has the higher TellerScore (83 vs 78). On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 1 and Charter Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.