Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Appleton vs State Bank of Bellingham
Bank
Farmers and Merchants State Bank of Appleton
Appleton, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers and Merchants State Bank of Appleton | State Bank of Bellingham |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 80 | 98 (stronger) |
| Loan quality | 37 (stronger) | 17 |
| Earnings | 100 (stronger) | 29 |
| Funding & liquidity | 60 | 100 (stronger) |
| Problem-loan coverage | 79 | 80 (stronger) |
| Peer percentile | 40th | 20th |
| Total assets | $62.0M | $46.4M |
| Deposits / shares | $53.8M | $38.4M |
| Capital ratio | 12.99% | 14.81% (stronger) |
| Problem loans | 1.89% (stronger) | 2.50% |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 3.27% (stronger) | 0.22% |
| Loans ÷ deposits | 92.9% | 58.1% (stronger) |
| Uninsured deposits | 21.2% | 11.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank of Appleton has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Appleton leads on 3 and State Bank of Bellingham on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.