Side-by-side · Q2 2026 data
State Bank of Lake Park vs Farmers and Merchants State Bank of Alpha
Bank
Farmers and Merchants State Bank of Alpha
Alpha, Minnesota · Under $100 million in assets
Metric by metric
| Measure | State Bank of Lake Park | Farmers and Merchants State Bank of Alpha |
|---|---|---|
| TellerScore | 69 (stronger) | 46 |
| Capital cushion | 60 | 61 (stronger) |
| Loan quality | 49 (stronger) | 0 |
| Earnings | 75 (stronger) | 45 |
| Funding & liquidity | 100 (stronger) | 87 |
| Problem-loan coverage | 83 (stronger) | 55 |
| Peer percentile | 37th | 7th |
| Total assets | $47.0M | $47.4M |
| Deposits / shares | $42.5M | $41.2M |
| Capital ratio | 10.98% | 11.15% (stronger) |
| Problem loans | 1.52% (stronger) | 4.15% |
| Net charge-offs | 0.08% | 0.01% (stronger) |
| Return on assets | 1.38% (stronger) | 0.62% |
| Loans ÷ deposits | 60.7% (stronger) | 73.2% |
| Uninsured deposits | 6.3% (stronger) | 10.6% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Lake Park has the higher TellerScore (69 vs 46). On the 7 directional measures above (where higher or lower is clearly better), State Bank of Lake Park leads on 5 and Farmers and Merchants State Bank of Alpha on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.