Side-by-side · Q2 2026 data
Peoples State Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | Peoples State Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 78 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 93 | 95 (stronger) |
| Earnings | 79 | 91 (stronger) |
| Funding & liquidity | 78 (stronger) | 76 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 77th | 72nd |
| Total assets | $993.0M | $872.1M |
| Deposits / shares | $810.8M | $751.9M |
| Capital ratio | 11.54% (stronger) | 9.97% |
| Problem loans | 0.21% | 0.15% (stronger) |
| Net charge-offs | -0.04% | -0.05% (stronger) |
| Return on assets | 1.47% | 1.76% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 84.5% |
| Uninsured deposits | 18.1% | 14.6% (stronger) |
| Offices | 19 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | 9.1% |
Peoples State Bank has the higher TellerScore (80 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 3 and Farmers and Merchants Union Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.