Side-by-side · Q2 2026 data
Merchants State Bank vs Farmers State Bank
Metric by metric
| Measure | Merchants State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 50 |
| Loan quality | 89 | 100 (stronger) |
| Earnings | 96 (stronger) | 56 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 96th | 64th |
| Total assets | $219.6M | $254.8M |
| Deposits / shares | $180.7M | $237.4M |
| Capital ratio | 17.26% (stronger) | 9.99% |
| Problem loans | 0.32% | 0.00% (stronger) |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.90% (stronger) | 0.89% |
| Loans ÷ deposits | 81.1% | 58.6% (stronger) |
| Uninsured deposits | 25.8% | 13.8% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants State Bank has the higher TellerScore (91 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.