Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank vs Triumph State Bank
Bank
First Farmers & Merchants State Bank
Brownsdale, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Merchants State Bank | Triumph State Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 57 |
| Capital cushion | 65 | 79 (stronger) |
| Loan quality | 56 (stronger) | 0 |
| Earnings | 67 | 82 (stronger) |
| Funding & liquidity | 79 | 81 (stronger) |
| Problem-loan coverage | 83 (stronger) | 51 |
| Peer percentile | 30th | 16th |
| Total assets | $96.4M | $93.3M |
| Deposits / shares | $85.7M | $80.0M |
| Capital ratio | 11.46% | 12.87% (stronger) |
| Problem loans | 1.31% (stronger) | 5.00% |
| Net charge-offs | 0.76% | 0.16% (stronger) |
| Return on assets | 1.18% | 1.56% (stronger) |
| Loans ÷ deposits | 81.5% | 78.8% (stronger) |
| Uninsured deposits | 12.7% (stronger) | 14.8% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Farmers & Merchants State Bank has the higher TellerScore (67 vs 57). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank leads on 3 and Triumph State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.