Side-by-side · Q2 2026 data
First State Bank Nebraska vs Farmers and Merchants Bank
Metric by metric
| Measure | First State Bank Nebraska | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 71 | 78 (stronger) |
| Capital cushion | 40 | 56 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 80 (stronger) | 56 |
| Funding & liquidity | 69 | 99 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 63rd | 86th |
| Total assets | $1.1B | $1.1B |
| Deposits / shares | $990.0M | $885.6M |
| Capital ratio | 9.00% | 10.64% (stronger) |
| Problem loans | 0.24% | 0.00% (stronger) |
| Net charge-offs | 0.03% | -0.00% (stronger) |
| Return on assets | 1.51% (stronger) | 0.89% |
| Loans ÷ deposits | 90.8% | 26.2% (stronger) |
| Uninsured deposits | 15.6% (stronger) | 16.0% |
| Offices | 18 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.3% | 10.7% |
Farmers and Merchants Bank has the higher TellerScore (78 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First State Bank Nebraska leads on 2 and Farmers and Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Wilber, NE