Side-by-side · Q2 2026 data
Merchants State Bank vs The Farmers and Merchants State Bank
Metric by metric
| Measure | Merchants State Bank | The Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 83 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 89 | 97 (stronger) |
| Earnings | 96 (stronger) | 70 |
| Funding & liquidity | 67 | 92 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 96th | 73rd |
| Total assets | $219.6M | $36.0M |
| Deposits / shares | $180.7M | $32.4M |
| Capital ratio | 17.26% (stronger) | 11.89% |
| Problem loans | 0.32% | 0.08% (stronger) |
| Net charge-offs | 0.01% | -0.02% (stronger) |
| Return on assets | 1.90% (stronger) | 1.25% |
| Loans ÷ deposits | 81.1% | 41.0% (stronger) |
| Uninsured deposits | 25.8% | 22.8% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Merchants State Bank has the higher TellerScore (91 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Merchants State Bank leads on 3 and The Farmers and Merchants State Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.