Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The Hamler State Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | The Hamler State Bank |
|---|---|---|
| TellerScore | 66 | 76 (stronger) |
| Capital cushion | 99 (stronger) | 93 |
| Loan quality | 0 | 54 (stronger) |
| Earnings | 79 (stronger) | 71 |
| Funding & liquidity | 87 (stronger) | 80 |
| Problem-loan coverage | 71 | 87 (stronger) |
| Peer percentile | 31st | 64th |
| Total assets | $136.4M | $125.3M |
| Deposits / shares | $116.5M | $107.4M |
| Capital ratio | 14.92% (stronger) | 14.34% |
| Problem loans | 3.86% | 1.38% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.47% (stronger) | 1.27% |
| Loans ÷ deposits | 66.1% (stronger) | 80.1% |
| Uninsured deposits | 21.4% | 10.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hamler State Bank has the higher TellerScore (76 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 Hamler State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.