Side-by-side · Q2 2026 data
The First National Bank of Cokato vs Farmers and Merchants State Bank of Springfield
Bank
Farmers and Merchants State Bank of Springfield
Springfield, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | The First National Bank of Cokato | Farmers and Merchants State Bank of Springfield |
|---|---|---|
| TellerScore | 68 (stronger) | 42 |
| Capital cushion | 35 | 37 (stronger) |
| Loan quality | 92 (stronger) | 0 |
| Earnings | 80 (stronger) | 74 |
| Funding & liquidity | 62 | 83 (stronger) |
| Problem-loan coverage | 96 (stronger) | 41 |
| Peer percentile | 37th | 3rd |
| Total assets | $138.2M | $139.8M |
| Deposits / shares | $128.1M | $120.7M |
| Capital ratio | 8.54% | 8.70% (stronger) |
| Problem loans | 0.25% (stronger) | 4.48% |
| Net charge-offs | 0.02% | -0.01% (stronger) |
| Return on assets | 1.50% (stronger) | 1.34% |
| Loans ÷ deposits | 72.6% | 72.4% (stronger) |
| Uninsured deposits | 38.0% | 19.2% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank of Cokato has the higher TellerScore (68 vs 42). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Cokato leads on 3 and Farmers and Merchants State Bank of Springfield on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.