Side-by-side · Q2 2026 data
The First National Bank of Cokato vs First Farmers & Merchants National Bank
Metric by metric
| Measure | The First National Bank of Cokato | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 35 | 56 (stronger) |
| Loan quality | 92 | 98 (stronger) |
| Earnings | 80 (stronger) | 61 |
| Funding & liquidity | 62 (stronger) | 30 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 37th | 37th |
| Total assets | $138.2M | $140.4M |
| Deposits / shares | $128.1M | $115.4M |
| Capital ratio | 8.54% | 10.59% (stronger) |
| Problem loans | 0.25% | 0.06% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.20% |
| Return on assets | 1.50% (stronger) | 1.02% |
| Loans ÷ deposits | 72.6% (stronger) | 99.8% |
| Uninsured deposits | 38.0% (stronger) | 42.6% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The First National Bank of Cokato leads on 4 and First Farmers & Merchants National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.