Side-by-side · Q2 2026 data
First State Bank vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | First State Bank | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 100 | 100 |
| Earnings | 78 (stronger) | 60 |
| Funding & liquidity | 81 (stronger) | 69 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 98th | 84th |
| Total assets | $125.9M | $122.5M |
| Deposits / shares | $102.8M | $102.7M |
| Capital ratio | 17.71% (stronger) | 13.62% |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.44% (stronger) | 1.00% |
| Loans ÷ deposits | 54.6% (stronger) | 76.4% |
| Uninsured deposits | 32.1% | 28.1% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank has the higher TellerScore (93 vs 83). On the 5 directional measures above (where higher or lower is clearly better), First State Bank leads on 4 and Farmers and Merchants Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.