Side-by-side · Q2 2026 data
Old National Bank vs Farmers and Merchants State Bank of Appleton
Bank
Farmers and Merchants State Bank of Appleton
Appleton, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Old National Bank | Farmers and Merchants State Bank of Appleton |
|---|---|---|
| TellerScore | 59 | 70 (stronger) |
| Capital cushion | 38 | 80 (stronger) |
| Loan quality | 69 (stronger) | 37 |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 41 | 60 (stronger) |
| Problem-loan coverage | 89 (stronger) | 79 |
| Peer percentile | 25th | 40th |
| Total assets | $73.9B | $62.0M |
| Deposits / shares | $57.0B | $53.8M |
| Capital ratio | 8.80% | 12.99% (stronger) |
| Problem loans | 0.92% (stronger) | 1.89% |
| Net charge-offs | 0.26% | 0.03% (stronger) |
| Return on assets | 1.41% | 3.27% (stronger) |
| Loans ÷ deposits | 88.2% (stronger) | 92.9% |
| Uninsured deposits | 43.3% | 21.2% (stronger) |
| Offices | 342 | 1 |
| CFPB complaints (3 yrs) | 269 | — |
| Complaints per $1B deposits | 4.7 | — |
| Mortgage denial rate (HMDA) | 22.1% | — |
Farmers and Merchants State Bank of Appleton has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Old National Bank leads on 2 and Farmers and Merchants State Bank of Appleton on 5. 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.