Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Pierz vs United Minnesota Bank
Metric by metric
| Measure | Farmers and Merchants State Bank of Pierz | United Minnesota Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 66 |
| Capital cushion | 43 (stronger) | 28 |
| Loan quality | 66 | 82 (stronger) |
| Earnings | 89 (stronger) | 84 |
| Funding & liquidity | 90 (stronger) | 75 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 40th | 28th |
| Total assets | $336.2M | $56.9M |
| Deposits / shares | $308.5M | $52.5M |
| Capital ratio | 9.28% (stronger) | 7.78% |
| Problem loans | 1.03% | 0.54% (stronger) |
| Net charge-offs | 0.68% | 0.00% (stronger) |
| Return on assets | 1.74% (stronger) | 1.60% |
| Loans ÷ deposits | 70.7% (stronger) | 85.0% |
| Uninsured deposits | 12.7% (stronger) | 13.6% |
| 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 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Pierz leads on 5 and United Minnesota Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.