Side-by-side · Q2 2026 data
Farmers Savings Bank vs Farmers & Merchants Bank & Trust
Metric by metric
| Measure | Farmers Savings Bank | Farmers & Merchants Bank & Trust |
|---|---|---|
| TellerScore | 80 (stronger) | 60 |
| Capital cushion | 87 (stronger) | 57 |
| Loan quality | 91 (stronger) | 45 |
| Earnings | 46 | 57 (stronger) |
| Funding & liquidity | 81 | 82 (stronger) |
| Problem-loan coverage | 97 (stronger) | 78 |
| Peer percentile | 77th | 19th |
| Total assets | $130.5M | $208.2M |
| Deposits / shares | $111.0M | $187.0M |
| Capital ratio | 13.71% (stronger) | 10.73% |
| Problem loans | 0.27% (stronger) | 1.66% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 0.65% | 0.91% (stronger) |
| Loans ÷ deposits | 79.5% | 67.8% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 24.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Savings Bank has the higher TellerScore (80 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank leads on 4 and Farmers & Merchants Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.