Side-by-side · Q2 2026 data
The Seiling State Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | The Seiling State Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 79 | 85 (stronger) |
| Capital cushion | 55 | 80 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 84 (stronger) | 82 |
| Funding & liquidity | 68 | 86 (stronger) |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 75th | 78th |
| Total assets | $195.0M | $80.3M |
| Deposits / shares | $175.2M | $69.9M |
| Capital ratio | 10.54% | 13.00% (stronger) |
| Problem loans | 0.00% (stronger) | 0.42% |
| Net charge-offs | -0.60% (stronger) | 0.82% |
| Return on assets | 1.60% (stronger) | 1.56% |
| Loans ÷ deposits | 78.3% | 34.4% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 27.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 79). On the 7 directional measures above (where higher or lower is clearly better), The Seiling State Bank leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.