Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Merchants State Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Merchants State Bank |
|---|---|---|
| TellerScore | 73 | 91 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 75 | 89 (stronger) |
| Earnings | 100 (stronger) | 96 |
| Funding & liquidity | 47 | 67 (stronger) |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 53rd | 96th |
| Total assets | $180.4M | $219.6M |
| Deposits / shares | $137.3M | $180.7M |
| Capital ratio | 11.02% | 17.26% (stronger) |
| Problem loans | 0.76% | 0.32% (stronger) |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 2.46% (stronger) | 1.90% |
| Loans ÷ deposits | 106.5% | 81.1% (stronger) |
| Uninsured deposits | 21.4% (stronger) | 25.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants State Bank has the higher TellerScore (91 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 2 and Merchants State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.