Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs American Bank & Trust
Metric by metric
| Measure | Farmers and Merchants State Bank | American Bank & Trust |
|---|---|---|
| TellerScore | 73 (stronger) | 72 |
| Capital cushion | 60 | 63 (stronger) |
| Loan quality | 75 | 81 (stronger) |
| Earnings | 100 (stronger) | 74 |
| Funding & liquidity | 47 | 56 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 53rd | 66th |
| Total assets | $180.4M | $2.2B |
| Deposits / shares | $137.3M | $2.0B |
| Capital ratio | 11.02% | 11.28% (stronger) |
| Problem loans | 0.76% | 0.57% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 2.46% (stronger) | 1.34% |
| Loans ÷ deposits | 106.5% | 80.7% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 36.8% |
| Offices | 2 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
Farmers and Merchants State Bank has the higher TellerScore (73 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 3 and American Bank & Trust on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.