Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Appleton vs State Bank of Chandler
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 Chandler |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 80 (stronger) | 66 |
| Loan quality | 37 | 68 (stronger) |
| Earnings | 100 (stronger) | 80 |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 79 | 89 (stronger) |
| Peer percentile | 40th | 51st |
| Total assets | $62.0M | $68.7M |
| Deposits / shares | $53.8M | $60.2M |
| Capital ratio | 12.99% (stronger) | 11.59% |
| Problem loans | 1.89% | 0.95% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 3.27% (stronger) | 1.49% |
| Loans ÷ deposits | 92.9% | 77.7% (stronger) |
| Uninsured deposits | 21.2% | 9.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Chandler has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Appleton leads on 2 and State Bank of Chandler on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.