Side-by-side · Q2 2026 data
Security Bank vs Farmers & Merchants State Bank
Metric by metric
| Measure | Security Bank | Farmers & Merchants State Bank |
|---|---|---|
| TellerScore | 69 | 72 (stronger) |
| Capital cushion | 66 (stronger) | 61 |
| Loan quality | 60 | 100 (stronger) |
| Earnings | 89 (stronger) | 57 |
| Funding & liquidity | 56 (stronger) | 50 |
| Problem-loan coverage | 83 | 100 (stronger) |
| Peer percentile | 40th | 50th |
| Total assets | $253.8M | $245.6M |
| Deposits / shares | $216.4M | $183.0M |
| Capital ratio | 11.58% (stronger) | 11.13% |
| Problem loans | 1.19% | 0.00% (stronger) |
| Net charge-offs | 0.07% | -0.01% (stronger) |
| Return on assets | 1.74% (stronger) | 0.92% |
| Loans ÷ deposits | 104.1% (stronger) | 115.7% |
| Uninsured deposits | 12.0% (stronger) | 15.1% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 6.1% |
Farmers & Merchants State Bank has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Security Bank leads on 4 and Farmers & Merchants State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.