Side-by-side · Q2 2026 data
Liberty State Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Liberty State Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 93 (stronger) | 74 |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 97 (stronger) | 38 |
| Earnings | 96 (stronger) | 82 |
| Funding & liquidity | 88 (stronger) | 60 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 98th | 57th |
| Total assets | $159.0M | $143.1M |
| Deposits / shares | $142.2M | $105.6M |
| Capital ratio | 13.66% | 15.70% (stronger) |
| Problem loans | 0.09% (stronger) | 1.86% |
| Net charge-offs | 0.04% | 0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 1.54% |
| Loans ÷ deposits | 40.7% (stronger) | 75.8% |
| Uninsured deposits | 25.9% (stronger) | 36.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Liberty State Bank has the higher TellerScore (93 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Liberty State Bank leads on 5 and Farmers and Merchants State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.