Side-by-side · Q2 2026 data
First State Bank vs First Farmers & Merchants National Bank
Metric by metric
| Measure | First State Bank | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 68 |
| Capital cushion | 74 (stronger) | 56 |
| Loan quality | 96 | 98 (stronger) |
| Earnings | 75 (stronger) | 61 |
| Funding & liquidity | 65 (stronger) | 30 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 80th | 37th |
| Total assets | $674.3M | $140.4M |
| Deposits / shares | $572.2M | $115.4M |
| Capital ratio | 12.40% (stronger) | 10.59% |
| Problem loans | 0.12% | 0.06% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.20% |
| Return on assets | 1.38% (stronger) | 1.02% |
| Loans ÷ deposits | 86.5% (stronger) | 99.8% |
| Uninsured deposits | 22.4% (stronger) | 42.6% |
| Offices | 10 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
First State Bank has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank leads on 6 and First Farmers & Merchants National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.