Side-by-side · Q2 2026 data
Peoples State Bank vs The Farmers & Merchants Bank
Metric by metric
| Measure | Peoples State Bank | The Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 54 |
| Capital cushion | 65 (stronger) | 50 |
| Loan quality | 93 (stronger) | 35 |
| Earnings | 79 (stronger) | 69 |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 63 |
| Peer percentile | 77th | 10th |
| Total assets | $993.0M | $949.4M |
| Deposits / shares | $810.8M | $784.7M |
| Capital ratio | 11.54% (stronger) | 10.02% |
| Problem loans | 0.21% (stronger) | 1.96% |
| Net charge-offs | -0.04% (stronger) | 0.29% |
| Return on assets | 1.47% (stronger) | 1.23% |
| Loans ÷ deposits | 78.6% (stronger) | 93.1% |
| Uninsured deposits | 18.1% | 7.4% (stronger) |
| Offices | 19 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Peoples State Bank has the higher TellerScore (80 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 6 and The Farmers & Merchants Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.