Side-by-side · Q2 2026 data
Guaranty State Bank and Trust Company vs Farmers and Merchants Bank
Metric by metric
| Measure | Guaranty State Bank and Trust Company | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 66 (stronger) | 61 |
| Loan quality | 80 | 94 (stronger) |
| Earnings | 62 | 91 (stronger) |
| Funding & liquidity | 69 (stronger) | 53 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 50th | 72nd |
| Total assets | $381.4M | $215.4M |
| Deposits / shares | $324.6M | $165.1M |
| Capital ratio | 11.60% (stronger) | 11.08% |
| Problem loans | 0.60% | 0.19% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.05% | 1.78% (stronger) |
| Loans ÷ deposits | 79.0% (stronger) | 107.1% |
| Uninsured deposits | 26.1% | 12.4% (stronger) |
| Offices | 8 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Guaranty State Bank and Trust Company leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.