Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank of Grand Meadow vs First National Bank
Bank
First Farmers & Merchants State Bank of Grand Meadow
Grand Meadow, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Merchants State Bank of Grand Meadow | First National Bank |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 94 (stronger) | 33 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 58 | 68 (stronger) |
| Problem-loan coverage | 97 (stronger) | 85 |
| Peer percentile | 33rd | 68th |
| Total assets | $93.0M | $477.8M |
| Deposits / shares | $83.2M | $380.1M |
| Capital ratio | 9.44% | 18.41% (stronger) |
| Problem loans | 0.17% (stronger) | 2.01% |
| Net charge-offs | 0.02% (stronger) | 4.62% |
| Return on assets | 1.15% | 2.18% (stronger) |
| Loans ÷ deposits | 90.4% (stronger) | 90.6% |
| Uninsured deposits | 25.7% | 16.2% (stronger) |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants State Bank of Grand Meadow leads on 3 and First National Bank on 4. 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.