Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Freedom Financial Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Freedom Financial Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 68 |
| Capital cushion | 57 (stronger) | 43 |
| Loan quality | 100 | 100 |
| Earnings | 68 | 73 (stronger) |
| Funding & liquidity | 80 (stronger) | 36 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 72nd | 37th |
| Total assets | $271.7M | $269.3M |
| Deposits / shares | $241.1M | $206.4M |
| Capital ratio | 10.68% (stronger) | 9.30% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.20% | 1.33% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 107.8% |
| Uninsured deposits | 26.3% (stronger) | 29.6% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.5% | — |
Farmers and Merchants State Bank has the higher TellerScore (78 vs 68). On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 4 and Freedom Financial Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.