Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Pierz vs Citizens Bank & Trust Co.
Metric by metric
| Measure | Farmers and Merchants State Bank of Pierz | Citizens Bank & Trust Co. |
|---|---|---|
| TellerScore | 69 | 69 |
| Capital cushion | 43 (stronger) | 36 |
| Loan quality | 66 | 91 (stronger) |
| Earnings | 89 (stronger) | 68 |
| Funding & liquidity | 90 (stronger) | 84 |
| Problem-loan coverage | 83 | 93 (stronger) |
| Peer percentile | 40th | 40th |
| Total assets | $336.2M | $329.0M |
| Deposits / shares | $308.5M | $297.4M |
| Capital ratio | 9.28% (stronger) | 8.63% |
| Problem loans | 1.03% | 0.26% (stronger) |
| Net charge-offs | 0.68% | 0.09% (stronger) |
| Return on assets | 1.74% (stronger) | 1.21% |
| Loans ÷ deposits | 70.7% | 55.2% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 29.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Pierz leads on 3 and Citizens Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.