Side-by-side · Q2 2026 data
First Dakota National Bank vs The Farmers and Merchants State Bank
Metric by metric
| Measure | First Dakota National Bank | The Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 54 | 69 (stronger) |
| Loan quality | 90 | 97 (stronger) |
| Earnings | 87 (stronger) | 70 |
| Funding & liquidity | 45 | 92 (stronger) |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 66th | 73rd |
| Total assets | $3.4B | $36.0M |
| Deposits / shares | $3.0B | $32.4M |
| Capital ratio | 10.40% | 11.89% (stronger) |
| Problem loans | 0.30% | 0.08% (stronger) |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.68% (stronger) | 1.25% |
| Loans ÷ deposits | 95.9% | 41.0% (stronger) |
| Uninsured deposits | 32.8% | 22.8% (stronger) |
| Offices | 17 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.8% | — |
The Farmers and Merchants State Bank has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Dakota National Bank leads on 1 and The Farmers and Merchants State Bank on 6. 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.