Side-by-side · Q2 2026 data
The Farmers and Merchants State Bank vs Explorers Federal Credit Union
Metric by metric
| Measure | The Farmers and Merchants State Bank | Explorers Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 65 |
| Capital cushion | 69 (stronger) | 46 |
| Loan quality | 97 (stronger) | 84 |
| Earnings | 70 (stronger) | 37 |
| Funding & liquidity | 92 (stronger) | 91 |
| Problem-loan coverage | 99 (stronger) | 94 |
| Peer percentile | 73rd | 34th |
| Total assets | $36.0M | $111.5M |
| Deposits / shares | $32.4M | $100.0M |
| Capital ratio | 11.89% (stronger) | 9.63% |
| Problem loans | 0.08% (stronger) | 0.49% |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 1.25% (stronger) | 0.41% |
| Loans ÷ deposits | 41.0% (stronger) | 69.2% |
| Uninsured deposits | 22.8% | 1.3% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers and Merchants State Bank has the higher TellerScore (83 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants State Bank leads on 6 and Explorers Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.