Side-by-side · Q2 2026 data
Northwoods Bank of Minnesota vs Farmers and Merchants State Bank of Springfield
Bank
Farmers and Merchants State Bank of Springfield
Springfield, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Northwoods Bank of Minnesota | Farmers and Merchants State Bank of Springfield |
|---|---|---|
| TellerScore | 80 (stronger) | 42 |
| Capital cushion | 62 (stronger) | 37 |
| Loan quality | 99 (stronger) | 0 |
| Earnings | 62 | 74 (stronger) |
| Funding & liquidity | 94 (stronger) | 83 |
| Problem-loan coverage | 100 (stronger) | 41 |
| Peer percentile | 77th | 3rd |
| Total assets | $140.6M | $139.8M |
| Deposits / shares | $125.0M | $120.7M |
| Capital ratio | 11.22% (stronger) | 8.70% |
| Problem loans | 0.03% (stronger) | 4.48% |
| Net charge-offs | -0.01% | -0.01% (stronger) |
| Return on assets | 1.05% | 1.34% (stronger) |
| Loans ÷ deposits | 61.3% (stronger) | 72.4% |
| Uninsured deposits | 19.1% (stronger) | 19.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Northwoods Bank of Minnesota has the higher TellerScore (80 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Northwoods Bank of Minnesota leads on 5 and Farmers and Merchants State Bank of Springfield on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.