Side-by-side · Q2 2026 data
Pocahontas State Bank vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | Pocahontas State Bank | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 71 | 83 (stronger) |
| Capital cushion | 100 (stronger) | 86 |
| Loan quality | 36 | 100 (stronger) |
| Earnings | 40 | 60 (stronger) |
| Funding & liquidity | 98 (stronger) | 69 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 47th | 84th |
| Total assets | $122.6M | $122.5M |
| Deposits / shares | $83.1M | $102.7M |
| Capital ratio | 26.35% (stronger) | 13.62% |
| Problem loans | 1.93% | 0.00% (stronger) |
| Net charge-offs | 0.17% | 0.00% (stronger) |
| Return on assets | 0.50% | 1.00% (stronger) |
| Loans ÷ deposits | 52.7% (stronger) | 76.4% |
| Uninsured deposits | 17.0% (stronger) | 28.1% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Pocahontas State Bank leads on 3 and Farmers and Merchants Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.