Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Pierz vs Pine Country Bank
Metric by metric
| Measure | Farmers and Merchants State Bank of Pierz | Pine Country Bank |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 43 | 52 (stronger) |
| Loan quality | 66 | 98 (stronger) |
| Earnings | 89 (stronger) | 76 |
| Funding & liquidity | 90 (stronger) | 85 |
| Problem-loan coverage | 83 | 99 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $336.2M | $380.3M |
| Deposits / shares | $308.5M | $335.1M |
| Capital ratio | 9.28% | 10.24% (stronger) |
| Problem loans | 1.03% | 0.06% (stronger) |
| Net charge-offs | 0.68% | -0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 1.40% |
| Loans ÷ deposits | 70.7% (stronger) | 72.3% |
| Uninsured deposits | 12.7% (stronger) | 17.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 9.1% |
Pine Country Bank has the higher TellerScore (78 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Pierz leads on 3 and Pine Country Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.