Side-by-side · Q2 2026 data
The Peoples Savings Bank vs The Farmers and Merchants Bank
Metric by metric
| Measure | The Peoples Savings Bank | The Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 66 |
| Capital cushion | 85 | 99 (stronger) |
| Loan quality | 47 (stronger) | 0 |
| Earnings | 52 | 79 (stronger) |
| Funding & liquidity | 99 (stronger) | 87 |
| Problem-loan coverage | 88 (stronger) | 71 |
| Peer percentile | 42nd | 31st |
| Total assets | $71.9M | $136.4M |
| Deposits / shares | $63.5M | $116.5M |
| Capital ratio | 13.45% | 14.92% (stronger) |
| Problem loans | 1.58% (stronger) | 3.86% |
| Net charge-offs | 0.12% | 0.08% (stronger) |
| Return on assets | 0.81% | 1.47% (stronger) |
| Loans ÷ deposits | 54.0% (stronger) | 66.1% |
| Uninsured deposits | 16.4% (stronger) | 21.4% |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Peoples Savings Bank has the higher TellerScore (71 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Peoples Savings Bank leads on 4 and The Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.