Side-by-side · Q2 2026 data
Security Trust & Savings Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | Security Trust & Savings Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 54 | 57 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 70 (stronger) | 68 |
| Funding & liquidity | 79 | 80 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 43rd | 72nd |
| Total assets | $266.4M | $271.7M |
| Deposits / shares | $239.4M | $241.1M |
| Capital ratio | 10.41% | 10.68% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.09% | 0.03% (stronger) |
| Return on assets | 1.24% (stronger) | 1.20% |
| Loans ÷ deposits | 32.7% (stronger) | 68.2% |
| Uninsured deposits | 34.1% | 26.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.5% |
Farmers and Merchants State Bank has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Security Trust & Savings Bank leads on 2 and Farmers and Merchants State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.