Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs River Falls State Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | River Falls State Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 51 | 64 (stronger) |
| Loan quality | 100 (stronger) | 93 |
| Earnings | 74 (stronger) | 64 |
| Funding & liquidity | 79 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 68th | 68th |
| Total assets | $486.4M | $143.2M |
| Deposits / shares | $436.8M | $127.5M |
| Capital ratio | 10.09% | 11.40% (stronger) |
| Problem loans | 0.01% (stronger) | 0.21% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.36% (stronger) | 1.10% |
| Loans ÷ deposits | 70.3% (stronger) | 80.5% |
| Uninsured deposits | 24.7% | 11.0% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 2.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 4 and River Falls State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.