Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs Farmers State Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 79 | 90 (stronger) |
| Capital cushion | 82 | 89 (stronger) |
| Loan quality | 88 | 91 (stronger) |
| Earnings | 51 | 100 (stronger) |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 75th | 95th |
| Total assets | $146.0M | $156.2M |
| Deposits / shares | $128.7M | $134.3M |
| Capital ratio | 13.24% | 13.92% (stronger) |
| Problem loans | 0.36% | 0.28% (stronger) |
| Net charge-offs | 0.16% | 0.01% (stronger) |
| Return on assets | 0.77% | 2.15% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 90.3% |
| Uninsured deposits | 31.0% | 15.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 1 and Farmers State Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.