Side-by-side · Q2 2026 data
The Goose River Bank vs Farmers and Merchants State Bank
Metric by metric
| Measure | The Goose River Bank | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 62 | 74 (stronger) |
| Capital cushion | 65 | 100 (stronger) |
| Loan quality | 43 (stronger) | 38 |
| Earnings | 68 | 82 (stronger) |
| Funding & liquidity | 70 (stronger) | 60 |
| Problem-loan coverage | 79 | 86 (stronger) |
| Peer percentile | 22nd | 57th |
| Total assets | $173.4M | $143.1M |
| Deposits / shares | $147.3M | $105.6M |
| Capital ratio | 11.48% | 15.70% (stronger) |
| Problem loans | 1.71% (stronger) | 1.86% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.20% | 1.54% (stronger) |
| Loans ÷ deposits | 87.7% | 75.8% (stronger) |
| Uninsured deposits | 17.1% (stronger) | 36.9% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants State Bank has the higher TellerScore (74 vs 62). On the 7 directional measures above (where higher or lower is clearly better), The Goose River Bank leads on 2 and Farmers and Merchants State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.