Side-by-side · Q2 2026 data
Lincoln State Bank vs Farmers & Merchants Bank of North Dakota
Metric by metric
| Measure | Lincoln State Bank | Farmers & Merchants Bank of North Dakota |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 50 | 60 (stronger) |
| Loan quality | 95 (stronger) | 76 |
| Earnings | 63 (stronger) | 56 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 64th | 53rd |
| Total assets | $125.1M | $119.8M |
| Deposits / shares | $111.9M | $106.9M |
| Capital ratio | 10.01% | 10.99% (stronger) |
| Problem loans | 0.15% (stronger) | 0.73% |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 1.07% (stronger) | 0.89% |
| Loans ÷ deposits | 58.7% | 43.6% (stronger) |
| Uninsured deposits | 16.6% | 12.3% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln State Bank has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Lincoln State Bank leads on 4 and Farmers & Merchants Bank of North Dakota on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.