Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs Union Savings Bank
Metric by metric
| Measure | The Farmers & Merchants State Bank | Union Savings Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 44 | 55 (stronger) |
| Loan quality | 91 (stronger) | 77 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 61 |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 58th | 74th |
| Total assets | $3.5B | $4.0B |
| Deposits / shares | $2.9B | $3.5B |
| Capital ratio | 9.44% | 10.51% (stronger) |
| Problem loans | 0.27% (stronger) | 0.70% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.28% | 2.01% (stronger) |
| Loans ÷ deposits | 93.3% (stronger) | 99.7% |
| Uninsured deposits | 11.1% (stronger) | 13.4% |
| Offices | 37 | 39 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Union Savings Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 3 and Union Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.