Side-by-side · Q2 2026 data
Fowler State Bank vs The Farmers and Merchants Bank
Metric by metric
| Measure | Fowler State Bank | The Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 41 |
| Loan quality | 80 | 100 (stronger) |
| Earnings | 68 (stronger) | 52 |
| Funding & liquidity | 48 | 66 (stronger) |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 77th | 37th |
| Total assets | $190.3M | $213.4M |
| Deposits / shares | $149.3M | $194.0M |
| Capital ratio | 15.51% (stronger) | 9.12% |
| Problem loans | 0.61% | 0.01% (stronger) |
| Net charge-offs | 0.65% | -0.00% (stronger) |
| Return on assets | 1.19% (stronger) | 0.80% |
| Loans ÷ deposits | 85.0% | 72.4% (stronger) |
| Uninsured deposits | 39.8% | 34.2% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.2% |
Fowler State Bank has the higher TellerScore (80 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fowler State Bank leads on 3 and The Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Williamsport, IN