Side-by-side · Q2 2026 data
Ultima Bank Minnesota vs Farmers and Merchants State Bank of Pierz
Metric by metric
| Measure | Ultima Bank Minnesota | Farmers and Merchants State Bank of Pierz |
|---|---|---|
| TellerScore | 72 (stronger) | 69 |
| Capital cushion | 58 (stronger) | 43 |
| Loan quality | 79 (stronger) | 66 |
| Earnings | 90 (stronger) | 89 |
| Funding & liquidity | 50 | 90 (stronger) |
| Problem-loan coverage | 90 (stronger) | 83 |
| Peer percentile | 50th | 40th |
| Total assets | $333.9M | $336.2M |
| Deposits / shares | $277.3M | $308.5M |
| Capital ratio | 10.83% (stronger) | 9.28% |
| Problem loans | 0.62% (stronger) | 1.03% |
| Net charge-offs | 0.00% (stronger) | 0.68% |
| Return on assets | 1.76% (stronger) | 1.74% |
| Loans ÷ deposits | 112.2% | 70.7% (stronger) |
| Uninsured deposits | 10.7% (stronger) | 12.7% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.7% |
Ultima Bank Minnesota has the higher TellerScore (72 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Ultima Bank Minnesota leads on 6 and Farmers and Merchants State Bank of Pierz on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.