Side-by-side · Q2 2026 data
Valley Premier Bank vs Farmers and Merchants State Bank of Springfield
Bank
Farmers and Merchants State Bank of Springfield
Springfield, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Valley Premier Bank | Farmers and Merchants State Bank of Springfield |
|---|---|---|
| TellerScore | 81 (stronger) | 42 |
| Capital cushion | 61 (stronger) | 37 |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 78 (stronger) | 74 |
| Funding & liquidity | 82 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 41 |
| Peer percentile | 80th | 3rd |
| Total assets | $141.0M | $139.8M |
| Deposits / shares | $127.7M | $120.7M |
| Capital ratio | 11.13% (stronger) | 8.70% |
| Problem loans | 0.00% (stronger) | 4.48% |
| Net charge-offs | 0.00% | -0.01% (stronger) |
| Return on assets | 1.44% (stronger) | 1.34% |
| Loans ÷ deposits | 70.1% (stronger) | 72.4% |
| Uninsured deposits | 22.3% | 19.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.1% | — |
Valley Premier Bank has the higher TellerScore (81 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Valley Premier Bank leads on 5 and Farmers and Merchants State Bank of Springfield on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.