Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Westside State Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Westside State Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 51 |
| Capital cushion | 57 (stronger) | 38 |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 68 | 68 |
| Funding & liquidity | 80 (stronger) | 45 |
| Problem-loan coverage | 100 (stronger) | 72 |
| Peer percentile | 72nd | 8th |
| Total assets | $271.7M | $268.7M |
| Deposits / shares | $241.1M | $208.4M |
| Capital ratio | 10.68% (stronger) | 8.82% |
| Problem loans | 0.00% (stronger) | 1.57% |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 1.20% | 1.21% (stronger) |
| Loans ÷ deposits | 68.2% (stronger) | 111.9% |
| Uninsured deposits | 26.3% | 19.9% (stronger) |
| Offices | 4 | 5 |
| 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 51). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 5 and Westside State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.