Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The First Trust and Savings Bank of Watseka, Illinois
Bank
The First Trust and Savings Bank of Watseka, Illinois
Watseka, Illinois · $100 million – $1 billion
Metric by metric
| Measure | The Farmers and Merchants Bank | The First Trust and Savings Bank of Watseka, Illinois |
|---|---|---|
| TellerScore | 68 | 96 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 52 | 92 (stronger) |
| Funding & liquidity | 66 | 86 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 37th | 99th |
| Total assets | $213.4M | $337.1M |
| Deposits / shares | $194.0M | $285.9M |
| Capital ratio | 9.12% | 16.10% (stronger) |
| Problem loans | 0.01% (stronger) | 0.03% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.80% | 1.80% (stronger) |
| Loans ÷ deposits | 72.4% | 53.2% (stronger) |
| Uninsured deposits | 34.2% | 27.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
The First Trust and Savings Bank of Watseka, Illinois has the higher TellerScore (96 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 2 and The First Trust and Savings Bank of Watseka, Illinois on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.