Side-by-side · Q2 2026 data
First Financial Bank in Winnebago vs Farmers and Merchants State Bank of Appleton
Bank
Farmers and Merchants State Bank of Appleton
Appleton, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First Financial Bank in Winnebago | Farmers and Merchants State Bank of Appleton |
|---|---|---|
| TellerScore | 82 (stronger) | 70 |
| Capital cushion | 88 (stronger) | 80 |
| Loan quality | 78 (stronger) | 37 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 60 |
| Problem-loan coverage | 91 (stronger) | 79 |
| Peer percentile | 70th | 40th |
| Total assets | $58.1M | $62.0M |
| Deposits / shares | $47.7M | $53.8M |
| Capital ratio | 13.81% (stronger) | 12.99% |
| Problem loans | 0.66% (stronger) | 1.89% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.27% | 3.27% (stronger) |
| Loans ÷ deposits | 72.5% (stronger) | 92.9% |
| Uninsured deposits | 10.0% (stronger) | 21.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Financial Bank in Winnebago has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Financial Bank in Winnebago leads on 6 and Farmers and Merchants State Bank of Appleton on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.