Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Heartland State Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Heartland State Bank |
|---|---|---|
| TellerScore | 73 | 79 (stronger) |
| Capital cushion | 60 (stronger) | 49 |
| Loan quality | 75 | 100 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 47 | 64 (stronger) |
| Problem-loan coverage | 89 | 100 (stronger) |
| Peer percentile | 53rd | 75th |
| Total assets | $180.4M | $154.0M |
| Deposits / shares | $137.3M | $135.1M |
| Capital ratio | 11.02% (stronger) | 9.93% |
| Problem loans | 0.76% | 0.00% (stronger) |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 2.46% (stronger) | 2.43% |
| Loans ÷ deposits | 106.5% | 89.9% (stronger) |
| Uninsured deposits | 21.4% | 20.5% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Heartland State Bank has the higher TellerScore (79 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 2 and Heartland State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.