Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs BMO Bank National Association
Metric by metric
| Measure | Farmers and Merchants State Bank | BMO Bank National Association |
|---|---|---|
| TellerScore | 73 (stronger) | 58 |
| Capital cushion | 60 | 63 (stronger) |
| Loan quality | 75 (stronger) | 69 |
| Earnings | 100 (stronger) | 26 |
| Funding & liquidity | 47 (stronger) | 46 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 53rd | 21st |
| Total assets | $180.4M | $255.0B |
| Deposits / shares | $137.3M | $194.1B |
| Capital ratio | 11.02% | 11.29% (stronger) |
| Problem loans | 0.76% (stronger) | 0.92% |
| Net charge-offs | 0.08% (stronger) | 0.20% |
| Return on assets | 2.46% (stronger) | 0.15% |
| Loans ÷ deposits | 106.5% | 71.8% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 52.7% |
| Offices | 2 | 957 |
| CFPB complaints (3 yrs) | — | 3,929 |
| Complaints per $1B deposits | — | 20.2 |
| Mortgage denial rate (HMDA) | — | 40.5% |
Farmers and Merchants State Bank has the higher TellerScore (73 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 5 and BMO Bank National Association on 2. 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.