Side-by-side · Q2 2026 data
The Western State Bank vs Farmers & Merchants Bank of Colby
Metric by metric
| Measure | The Western State Bank | Farmers & Merchants Bank of Colby |
|---|---|---|
| TellerScore | 49 | 73 (stronger) |
| Capital cushion | 57 | 62 (stronger) |
| Loan quality | 0 | 80 (stronger) |
| Earnings | 77 | 88 (stronger) |
| Funding & liquidity | 66 (stronger) | 52 |
| Problem-loan coverage | 66 | 92 (stronger) |
| Peer percentile | 6th | 53rd |
| Total assets | $802.1M | $650.8M |
| Deposits / shares | $717.2M | $511.3M |
| Capital ratio | 10.69% | 11.23% (stronger) |
| Problem loans | 3.04% | 0.61% (stronger) |
| Net charge-offs | 1.32% | -0.04% (stronger) |
| Return on assets | 1.43% | 1.69% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 93.0% |
| Uninsured deposits | 34.8% | 28.8% (stronger) |
| Offices | 7 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank of Colby has the higher TellerScore (73 vs 49). On the 7 directional measures above (where higher or lower is clearly better), The Western State Bank leads on 1 and Farmers & Merchants Bank of Colby on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.