Side-by-side · Q2 2026 data
First Farmers & Merchants State Bank of Grand Meadow vs Think Mutual 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 | Think Mutual Bank |
|---|---|---|
| TellerScore | 68 | 86 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 66 (stronger) | 45 |
| Funding & liquidity | 58 | 95 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 33rd | 97th |
| Total assets | $93.0M | $2.2B |
| Deposits / shares | $83.2M | $1.9B |
| Capital ratio | 9.44% | 16.25% (stronger) |
| Problem loans | 0.17% (stronger) | 0.25% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.15% (stronger) | 0.63% |
| Loans ÷ deposits | 90.4% | 64.8% (stronger) |
| Uninsured deposits | 25.7% | 5.8% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.2% |
Think Mutual Bank has the higher TellerScore (86 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 Think Mutual 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.