Side-by-side · Q2 2026 data
Reliance State Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Reliance State Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 43 | 78 (stronger) |
| Capital cushion | 47 | 57 (stronger) |
| Loan quality | 2 | 100 (stronger) |
| Earnings | 53 | 68 (stronger) |
| Funding & liquidity | 74 | 80 (stronger) |
| Problem-loan coverage | 64 | 100 (stronger) |
| Peer percentile | 3rd | 72nd |
| Total assets | $276.8M | $271.7M |
| Deposits / shares | $234.7M | $241.1M |
| Capital ratio | 9.72% | 10.68% (stronger) |
| Problem loans | 2.95% | 0.00% (stronger) |
| Net charge-offs | 0.23% | 0.03% (stronger) |
| Return on assets | 0.82% | 1.20% (stronger) |
| Loans ÷ deposits | 80.4% | 68.2% (stronger) |
| Uninsured deposits | 20.3% (stronger) | 26.3% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.0% | 1.5% |
Farmers and Merchants State Bank has the higher TellerScore (78 vs 43). On the 7 directional measures above (where higher or lower is clearly better), Reliance State Bank leads on 1 and Farmers and Merchants State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.