Side-by-side · Q2 2026 data
German American Bank vs Farmers and Mechanics Federal Savings Bank
Bank
Farmers and Mechanics Federal Savings Bank
Bloomfield, Indiana · $100 million – $1 billion
Metric by metric
| Measure | German American Bank | Farmers and Mechanics Federal Savings Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 54 |
| Capital cushion | 62 (stronger) | 18 |
| Loan quality | 85 | 100 (stronger) |
| Earnings | 91 (stronger) | 10 |
| Funding & liquidity | 46 | 99 (stronger) |
| Problem-loan coverage | 96 (stronger) | 69 |
| Peer percentile | 77th | 10th |
| Total assets | $8.4B | $113.6M |
| Deposits / shares | $7.1B | $105.8M |
| Capital ratio | 11.19% (stronger) | 6.79% |
| Problem loans | 0.45% | 0.00% (stronger) |
| Net charge-offs | 0.06% (stronger) | 0.23% |
| Return on assets | 1.76% (stronger) | -0.25% |
| Loans ÷ deposits | 83.0% | 61.0% (stronger) |
| Uninsured deposits | 42.8% | 12.5% (stronger) |
| Offices | 89 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.2% | 12.8% |
German American Bank has the higher TellerScore (75 vs 54). On the 7 directional measures above (where higher or lower is clearly better), German American Bank leads on 4 and Farmers and Mechanics Federal Savings Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.