Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Alpha vs First National Bank
Bank
Farmers and Merchants State Bank of Alpha
Alpha, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants State Bank of Alpha | First National Bank |
|---|---|---|
| TellerScore | 46 | 77 (stronger) |
| Capital cushion | 61 | 100 (stronger) |
| Loan quality | 0 | 33 (stronger) |
| Earnings | 45 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 68 |
| Problem-loan coverage | 55 | 85 (stronger) |
| Peer percentile | 7th | 68th |
| Total assets | $47.4M | $477.8M |
| Deposits / shares | $41.2M | $380.1M |
| Capital ratio | 11.15% | 18.41% (stronger) |
| Problem loans | 4.15% | 2.01% (stronger) |
| Net charge-offs | 0.01% (stronger) | 4.62% |
| Return on assets | 0.62% | 2.18% (stronger) |
| Loans ÷ deposits | 73.2% (stronger) | 90.6% |
| Uninsured deposits | 10.6% (stronger) | 16.2% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.6% |
First National Bank has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Alpha leads on 3 and First National Bank on 4. 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.