Side-by-side · Q2 2026 data
The Farmers and Merchants State Bank vs Andes State Bank
Metric by metric
| Measure | The Farmers and Merchants State Bank | Andes State Bank |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 69 | 83 (stronger) |
| Loan quality | 97 | 100 (stronger) |
| Earnings | 70 | 79 (stronger) |
| Funding & liquidity | 92 (stronger) | 84 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 73rd | 86th |
| Total assets | $36.0M | $28.2M |
| Deposits / shares | $32.4M | $24.2M |
| Capital ratio | 11.89% | 13.32% (stronger) |
| Problem loans | 0.08% | 0.00% (stronger) |
| Net charge-offs | -0.02% | -0.02% (stronger) |
| Return on assets | 1.25% | 1.47% (stronger) |
| Loans ÷ deposits | 41.0% (stronger) | 44.8% |
| Uninsured deposits | 22.8% (stronger) | 29.2% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Andes State Bank has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants State Bank leads on 2 and Andes State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.