Side-by-side · Q2 2026 data
Farmers and Merchants State Bank, Bloomfield, Nebraska vs Commercial State Bank
Bank
Farmers and Merchants State Bank, Bloomfield, Nebraska
Bloomfield, Nebraska · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants State Bank, Bloomfield, Nebraska | Commercial State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 45 | 46 (stronger) |
| Loan quality | 98 (stronger) | 96 |
| Earnings | 85 | 93 (stronger) |
| Funding & liquidity | 80 (stronger) | 64 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 68th | 64th |
| Total assets | $232.9M | $264.4M |
| Deposits / shares | $209.7M | $237.3M |
| Capital ratio | 9.45% | 9.64% (stronger) |
| Problem loans | 0.07% (stronger) | 0.12% |
| Net charge-offs | 0.00% (stronger) | 0.12% |
| Return on assets | 1.62% | 1.83% (stronger) |
| Loans ÷ deposits | 62.1% (stronger) | 91.2% |
| Uninsured deposits | 31.6% | 19.4% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank, Bloomfield, Nebraska has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank, Bloomfield, Nebraska leads on 4 and Commercial State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.