Side-by-side · Q2 2026 data
Farmers State Bank vs The Farmers and Merchants State Bank
Metric by metric
| Measure | Farmers State Bank | The Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 50 | 69 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 56 | 70 (stronger) |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 64th | 73rd |
| Total assets | $254.8M | $36.0M |
| Deposits / shares | $237.4M | $32.4M |
| Capital ratio | 9.99% | 11.89% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 0.89% | 1.25% (stronger) |
| Loans ÷ deposits | 58.6% | 41.0% (stronger) |
| Uninsured deposits | 13.8% (stronger) | 22.8% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers and Merchants State Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and The Farmers and Merchants State Bank on 5. 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.