Side-by-side · Q2 2026 data
First State Bank of Golva vs Farmers and Merchants State Bank
Metric by metric
| Measure | First State Bank of Golva | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 55 | 74 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 16 | 38 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 82 (stronger) | 60 |
| Problem-loan coverage | 66 | 86 (stronger) |
| Peer percentile | 11th | 57th |
| Total assets | $123.5M | $143.1M |
| Deposits / shares | $110.1M | $105.6M |
| Capital ratio | 9.01% | 15.70% (stronger) |
| Problem loans | 2.51% | 1.86% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 2.29% (stronger) | 1.54% |
| Loans ÷ deposits | 47.9% (stronger) | 75.8% |
| Uninsured deposits | 31.6% (stronger) | 36.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank has the higher TellerScore (74 vs 55). On the 6 directional measures above (where higher or lower is clearly better), First State Bank of Golva leads on 3 and Farmers and Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.