Side-by-side · Q2 2026 data
Richland State Bank vs The Farmers and Merchants State Bank
Metric by metric
| Measure | Richland State Bank | The Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 83 |
| Capital cushion | 73 (stronger) | 69 |
| Loan quality | 95 | 97 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 97 (stronger) | 92 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 89th | 73rd |
| Total assets | $49.6M | $36.0M |
| Deposits / shares | $44.7M | $32.4M |
| Capital ratio | 12.30% (stronger) | 11.89% |
| Problem loans | 0.15% | 0.08% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 2.03% (stronger) | 1.25% |
| Loans ÷ deposits | 42.6% | 41.0% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 22.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Richland State Bank has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Richland State Bank leads on 4 and The Farmers and Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.