Side-by-side · Q2 2026 data
Iowa State Savings Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Iowa State Savings Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 74 | 78 (stronger) |
| Capital cushion | 44 | 57 (stronger) |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 76 (stronger) | 68 |
| Funding & liquidity | 83 (stronger) | 80 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 57th | 72nd |
| Total assets | $276.5M | $271.7M |
| Deposits / shares | $246.2M | $241.1M |
| Capital ratio | 9.40% | 10.68% (stronger) |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.40% (stronger) | 1.20% |
| Loans ÷ deposits | 65.7% (stronger) | 68.2% |
| Uninsured deposits | 25.8% (stronger) | 26.3% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Farmers and Merchants State Bank has the higher TellerScore (78 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Iowa State Savings Bank leads on 4 and Farmers and Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.