Side-by-side · Q2 2026 data
Security State Bank of Warroad vs First Farmers & Merchants National Bank
Metric by metric
| Measure | Security State Bank of Warroad | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 62 | 68 (stronger) |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 0 | 98 (stronger) |
| Earnings | 48 | 61 (stronger) |
| Funding & liquidity | 100 (stronger) | 30 |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 22nd | 37th |
| Total assets | $138.3M | $140.4M |
| Deposits / shares | $119.9M | $115.4M |
| Capital ratio | 16.41% (stronger) | 10.59% |
| Problem loans | 4.17% | 0.06% (stronger) |
| Net charge-offs | 0.07% (stronger) | 0.20% |
| Return on assets | 0.69% | 1.02% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 99.8% |
| Uninsured deposits | 14.6% (stronger) | 42.6% |
| Offices | 1 | 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 62). On the 7 directional measures above (where higher or lower is clearly better), Security State Bank of Warroad 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.