Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank vs The First National Bank of Osakis
Bank
First Farmers & Merchants State Bank
Brownsdale, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Merchants State Bank | The First National Bank of Osakis |
|---|---|---|
| TellerScore | 67 (stronger) | 61 |
| Capital cushion | 65 (stronger) | 37 |
| Loan quality | 56 | 78 (stronger) |
| Earnings | 67 (stronger) | 65 |
| Funding & liquidity | 79 (stronger) | 59 |
| Problem-loan coverage | 83 | 89 (stronger) |
| Peer percentile | 30th | 19th |
| Total assets | $96.4M | $97.6M |
| Deposits / shares | $85.7M | $80.9M |
| Capital ratio | 11.46% (stronger) | 8.67% |
| Problem loans | 1.31% | 0.67% (stronger) |
| Net charge-offs | 0.76% | -0.02% (stronger) |
| Return on assets | 1.18% (stronger) | 1.12% |
| Loans ÷ deposits | 81.5% (stronger) | 100.4% |
| Uninsured deposits | 12.7% (stronger) | 15.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Farmers & Merchants State Bank has the higher TellerScore (67 vs 61). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank leads on 5 and The First National Bank of Osakis on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.