Side-by-side · Q2 2026 data
Security Bank Minnesota vs First Farmers & Merchants National Bank
Metric by metric
| Measure | Security Bank Minnesota | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 52 | 68 (stronger) |
| Capital cushion | 48 | 56 (stronger) |
| Loan quality | 23 | 98 (stronger) |
| Earnings | 69 (stronger) | 61 |
| Funding & liquidity | 75 (stronger) | 30 |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 8th | 37th |
| Total assets | $145.1M | $140.4M |
| Deposits / shares | $125.0M | $115.4M |
| Capital ratio | 9.78% | 10.59% (stronger) |
| Problem loans | 2.30% | 0.06% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.20% |
| Return on assets | 1.21% (stronger) | 1.02% |
| Loans ÷ deposits | 85.0% (stronger) | 99.8% |
| Uninsured deposits | 10.1% (stronger) | 42.6% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
First Farmers & Merchants National Bank has the higher TellerScore (68 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Security Bank Minnesota leads on 4 and First Farmers & Merchants National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.