Side-by-side · Q2 2026 data
Lincoln State Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Lincoln State Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 95 (stronger) | 38 |
| Earnings | 63 | 82 (stronger) |
| Funding & liquidity | 98 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 64th | 57th |
| Total assets | $125.1M | $143.1M |
| Deposits / shares | $111.9M | $105.6M |
| Capital ratio | 10.01% | 15.70% (stronger) |
| Problem loans | 0.15% (stronger) | 1.86% |
| Net charge-offs | -0.05% (stronger) | 0.00% |
| Return on assets | 1.07% | 1.54% (stronger) |
| Loans ÷ deposits | 58.7% (stronger) | 75.8% |
| Uninsured deposits | 16.6% (stronger) | 36.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Lincoln State Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Lincoln 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.