Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank vs First National Bank
Bank
First Farmers & Merchants State Bank
Brownsdale, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Merchants State Bank | First National Bank |
|---|---|---|
| TellerScore | 67 | 77 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 56 (stronger) | 33 |
| Earnings | 67 | 100 (stronger) |
| Funding & liquidity | 79 (stronger) | 68 |
| Problem-loan coverage | 83 | 85 (stronger) |
| Peer percentile | 30th | 68th |
| Total assets | $96.4M | $477.8M |
| Deposits / shares | $85.7M | $380.1M |
| Capital ratio | 11.46% | 18.41% (stronger) |
| Problem loans | 1.31% (stronger) | 2.01% |
| Net charge-offs | 0.76% (stronger) | 4.62% |
| Return on assets | 1.18% | 2.18% (stronger) |
| Loans ÷ deposits | 81.5% (stronger) | 90.6% |
| Uninsured deposits | 12.7% (stronger) | 16.2% |
| Offices | 2 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.6% |
First National Bank has the higher TellerScore (77 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank leads on 4 and First National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.