Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs Security State Bank
Metric by metric
| Measure | Farmers and Merchants State Bank | Security State Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 36 |
| Capital cushion | 60 (stronger) | 32 |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 100 (stronger) | 40 |
| Funding & liquidity | 47 | 94 (stronger) |
| Problem-loan coverage | 89 (stronger) | 47 |
| Peer percentile | 53rd | 1st |
| Total assets | $180.4M | $103.0M |
| Deposits / shares | $137.3M | $95.6M |
| Capital ratio | 11.02% (stronger) | 8.24% |
| Problem loans | 0.76% (stronger) | 3.72% |
| Net charge-offs | 0.08% (stronger) | 1.17% |
| Return on assets | 2.46% (stronger) | 0.49% |
| Loans ÷ deposits | 106.5% | 56.1% (stronger) |
| Uninsured deposits | 21.4% | 20.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank has the higher TellerScore (73 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 5 and Security State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.