Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Pierz vs Sherburne Bank
Metric by metric
| Measure | Farmers and Merchants State Bank of Pierz | Sherburne Bank |
|---|---|---|
| TellerScore | 69 | 78 (stronger) |
| Capital cushion | 43 | 45 (stronger) |
| Loan quality | 66 | 99 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 90 (stronger) | 63 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 40th | 72nd |
| Total assets | $336.2M | $351.1M |
| Deposits / shares | $308.5M | $289.5M |
| Capital ratio | 9.28% | 9.46% (stronger) |
| Problem loans | 1.03% | 0.02% (stronger) |
| Net charge-offs | 0.68% | -0.03% (stronger) |
| Return on assets | 1.74% | 2.01% (stronger) |
| Loans ÷ deposits | 70.7% (stronger) | 95.2% |
| Uninsured deposits | 12.7% (stronger) | 17.1% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.7% | 3.2% |
Sherburne 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 2 and Sherburne Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.