Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The Baltic State Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | The Baltic State Bank |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 99 (stronger) | 28 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 79 (stronger) | 64 |
| Funding & liquidity | 87 (stronger) | 76 |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 31st | 37th |
| Total assets | $136.4M | $129.6M |
| Deposits / shares | $116.5M | $119.6M |
| Capital ratio | 14.92% (stronger) | 7.81% |
| Problem loans | 3.86% | 0.00% (stronger) |
| Net charge-offs | 0.08% | -0.01% (stronger) |
| Return on assets | 1.47% (stronger) | 1.11% |
| Loans ÷ deposits | 66.1% (stronger) | 84.3% |
| Uninsured deposits | 21.4% | 13.8% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Baltic State Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 3 and The Baltic State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.