Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs First Federal Savings and Loan Association
Metric by metric
| Measure | The Farmers & Merchants State Bank | First Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 70 | 93 (stronger) |
| Capital cushion | 44 | 100 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 71 (stronger) | 63 |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 58th | 98th |
| Total assets | $3.5B | $246.0M |
| Deposits / shares | $2.9B | $205.9M |
| Capital ratio | 9.44% | 16.48% (stronger) |
| Problem loans | 0.27% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.28% (stronger) | 1.07% |
| Loans ÷ deposits | 93.3% | 55.8% (stronger) |
| Uninsured deposits | 11.1% | 3.7% (stronger) |
| Offices | 37 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
First Federal Savings and Loan Association has the higher TellerScore (93 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 1 and First Federal Savings and Loan Association on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Delta, OH
- Swanton, OH
- Toledo, OH
- Waterville, OH