Side-by-side · Q2 2026 data
First State Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | First State Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 78 |
| Capital cushion | 69 (stronger) | 61 |
| Loan quality | 89 | 94 (stronger) |
| Earnings | 85 | 91 (stronger) |
| Funding & liquidity | 64 (stronger) | 53 |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 75th | 72nd |
| Total assets | $199.5M | $215.4M |
| Deposits / shares | $121.3M | $165.1M |
| Capital ratio | 11.94% (stronger) | 11.08% |
| Problem loans | 0.33% | 0.19% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.63% | 1.78% (stronger) |
| Loans ÷ deposits | 79.9% (stronger) | 107.1% |
| Uninsured deposits | 29.9% | 12.4% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.