Side-by-side · Q2 2026 data
Farmers State Bank of Emden vs Mason City National Bank
Metric by metric
| Measure | Farmers State Bank of Emden | Mason City National Bank |
|---|---|---|
| TellerScore | 91 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 67 | 82 (stronger) |
| Funding & liquidity | 85 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 90th | 97th |
| Total assets | $37.8M | $91.4M |
| Deposits / shares | $26.4M | $80.1M |
| Capital ratio | 29.58% (stronger) | 15.34% |
| Problem loans | 0.00% (stronger) | 0.04% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.18% | 1.56% (stronger) |
| Loans ÷ deposits | 46.9% | 41.8% (stronger) |
| Uninsured deposits | 28.8% | 9.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Mason City National Bank has the higher TellerScore (96 vs 91). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Emden leads on 2 and Mason City National Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.