Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Pierz vs Reliance Bank
Metric by metric
| Measure | Farmers and Merchants State Bank of Pierz | Reliance Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 65 |
| Capital cushion | 43 (stronger) | 40 |
| Loan quality | 66 | 92 (stronger) |
| Earnings | 89 (stronger) | 54 |
| Funding & liquidity | 90 (stronger) | 62 |
| Problem-loan coverage | 83 | 95 (stronger) |
| Peer percentile | 40th | 29th |
| Total assets | $336.2M | $334.1M |
| Deposits / shares | $308.5M | $281.6M |
| Capital ratio | 9.28% (stronger) | 8.98% |
| Problem loans | 1.03% | 0.25% (stronger) |
| Net charge-offs | 0.68% | 0.01% (stronger) |
| Return on assets | 1.74% (stronger) | 0.84% |
| Loans ÷ deposits | 70.7% (stronger) | 85.8% |
| Uninsured deposits | 12.7% (stronger) | 26.3% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | — |
Farmers and Merchants State Bank of Pierz has the higher TellerScore (69 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Pierz leads on 5 and Reliance Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.