Side-by-side · Q2 2026 data
First State Bank Minnesota vs First Farmers & Merchants State Bank of Grand Meadow
Bank
First Farmers & Merchants State Bank of Grand Meadow
Grand Meadow, Minnesota · Under $100 million in assets
Metric by metric
| Measure | First State Bank Minnesota | First Farmers & Merchants State Bank of Grand Meadow |
|---|---|---|
| TellerScore | 76 (stronger) | 68 |
| Capital cushion | 64 (stronger) | 44 |
| Loan quality | 73 | 94 (stronger) |
| Earnings | 98 (stronger) | 66 |
| Funding & liquidity | 67 (stronger) | 58 |
| Problem-loan coverage | 89 | 97 (stronger) |
| Peer percentile | 64th | 33rd |
| Total assets | $105.9M | $93.0M |
| Deposits / shares | $92.5M | $83.2M |
| Capital ratio | 11.43% (stronger) | 9.44% |
| Problem loans | 0.80% | 0.17% (stronger) |
| Net charge-offs | -0.03% (stronger) | 0.02% |
| Return on assets | 1.94% (stronger) | 1.15% |
| Loans ÷ deposits | 92.7% | 90.4% (stronger) |
| Uninsured deposits | 15.8% (stronger) | 25.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank Minnesota has the higher TellerScore (76 vs 68). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Minnesota leads on 5 and First Farmers & Merchants State Bank of Grand Meadow on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.