Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs First State Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | First State Bank |
|---|---|---|
| TellerScore | 78 | 82 (stronger) |
| Capital cushion | 57 | 69 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 68 (stronger) | 66 |
| Funding & liquidity | 80 | 92 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 82nd |
| Total assets | $271.7M | $129.7M |
| Deposits / shares | $241.1M | $114.0M |
| Capital ratio | 10.68% | 11.95% (stronger) |
| Problem loans | 0.00% (stronger) | 0.03% |
| Net charge-offs | 0.03% | -0.01% (stronger) |
| Return on assets | 1.20% (stronger) | 1.15% |
| Loans ÷ deposits | 68.2% | 47.5% (stronger) |
| Uninsured deposits | 26.3% | 22.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
First State Bank has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 2 and First State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.