Side-by-side · Q2 2026 data
First State Bank in Temple vs Farmers & Merchants Bank
Metric by metric
| Measure | First State Bank in Temple | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 64 | 79 (stronger) |
| Capital cushion | 100 (stronger) | 63 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 62 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 66 | 100 (stronger) |
| Peer percentile | 24th | 63rd |
| Total assets | $26.4M | $20.5M |
| Deposits / shares | $21.5M | $18.1M |
| Capital ratio | 22.19% (stronger) | 11.30% |
| Problem loans | 8.60% | 0.00% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.06% (stronger) | 0.71% |
| Loans ÷ deposits | 45.2% | 34.8% (stronger) |
| Uninsured deposits | 14.3% | 10.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank has the higher TellerScore (79 vs 64). On the 6 directional measures above (where higher or lower is clearly better), First State Bank in Temple leads on 2 and Farmers & Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.