Side-by-side · Q2 2026 data
Horizon Financial Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Horizon Financial Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 61 | 74 (stronger) |
| Capital cushion | 58 | 100 (stronger) |
| Loan quality | 55 (stronger) | 38 |
| Earnings | 59 | 82 (stronger) |
| Funding & liquidity | 63 (stronger) | 60 |
| Problem-loan coverage | 82 | 86 (stronger) |
| Peer percentile | 20th | 57th |
| Total assets | $201.0M | $143.1M |
| Deposits / shares | $178.5M | $105.6M |
| Capital ratio | 10.78% | 15.70% (stronger) |
| Problem loans | 1.34% (stronger) | 1.86% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.97% | 1.54% (stronger) |
| Loans ÷ deposits | 83.5% | 75.8% (stronger) |
| Uninsured deposits | 27.6% (stronger) | 36.9% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank has the higher TellerScore (74 vs 61). On the 6 directional measures above (where higher or lower is clearly better), Horizon Financial Bank leads on 2 and Farmers and Merchants State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Langdon, ND