Side-by-side · Q2 2026 data
Farmers State Bank vs Mercer Savings Bank
Metric by metric
| Measure | Farmers State Bank | Mercer Savings Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 43 | 82 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 63 (stronger) | 52 |
| Funding & liquidity | 81 (stronger) | 57 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 50th | 72nd |
| Total assets | $187.5M | $176.2M |
| Deposits / shares | $163.0M | $146.4M |
| Capital ratio | 9.30% | 13.16% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | 0.07% | 0.03% (stronger) |
| Return on assets | 1.07% (stronger) | 0.79% |
| Loans ÷ deposits | 77.7% (stronger) | 103.1% |
| Uninsured deposits | 17.0% | 6.0% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mercer Savings Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 3 and Mercer Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.