Side-by-side · Q2 2026 data
Farmers and Merchants State Bank of Springfield vs MidCountry Bank
Bank
Farmers and Merchants State Bank of Springfield
Springfield, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants State Bank of Springfield | MidCountry Bank |
|---|---|---|
| TellerScore | 42 | 72 (stronger) |
| Capital cushion | 37 | 80 (stronger) |
| Loan quality | 0 | 70 (stronger) |
| Earnings | 74 (stronger) | 61 |
| Funding & liquidity | 83 (stronger) | 61 |
| Problem-loan coverage | 41 | 89 (stronger) |
| Peer percentile | 3rd | 66th |
| Total assets | $139.8M | $1.1B |
| Deposits / shares | $120.7M | $835.8M |
| Capital ratio | 8.70% | 13.00% (stronger) |
| Problem loans | 4.48% | 0.90% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.03% |
| Return on assets | 1.34% (stronger) | 1.03% |
| Loans ÷ deposits | 72.4% (stronger) | 86.6% |
| Uninsured deposits | 19.2% (stronger) | 26.4% |
| Offices | 2 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
MidCountry Bank has the higher TellerScore (72 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank of Springfield leads on 4 and MidCountry Bank on 3. 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.
Where both have branches
- Springfield, MN