Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs The Hamler State Bank
Metric by metric
| Measure | The Farmers & Merchants State Bank | The Hamler State Bank |
|---|---|---|
| TellerScore | 70 | 76 (stronger) |
| Capital cushion | 44 | 93 (stronger) |
| Loan quality | 91 (stronger) | 54 |
| Earnings | 71 | 71 |
| Funding & liquidity | 67 | 80 (stronger) |
| Problem-loan coverage | 97 (stronger) | 87 |
| Peer percentile | 58th | 64th |
| Total assets | $3.5B | $125.3M |
| Deposits / shares | $2.9B | $107.4M |
| Capital ratio | 9.44% | 14.34% (stronger) |
| Problem loans | 0.27% (stronger) | 1.38% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.28% (stronger) | 1.27% |
| Loans ÷ deposits | 93.3% | 80.1% (stronger) |
| Uninsured deposits | 11.1% | 10.3% (stronger) |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hamler State Bank has the higher TellerScore (76 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 2 and The Hamler State Bank on 5. 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.