Side-by-side · Q2 2026 data
Washington State Bank vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | Washington State Bank | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 78 | 83 (stronger) |
| Capital cushion | 75 | 86 (stronger) |
| Loan quality | 84 | 100 (stronger) |
| Earnings | 76 (stronger) | 60 |
| Funding & liquidity | 66 | 69 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 72nd | 84th |
| Total assets | $601.1M | $122.5M |
| Deposits / shares | $510.5M | $102.7M |
| Capital ratio | 12.48% | 13.62% (stronger) |
| Problem loans | 0.49% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.39% (stronger) | 1.00% |
| Loans ÷ deposits | 70.6% (stronger) | 76.4% |
| Uninsured deposits | 36.8% | 28.1% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Washington State Bank leads on 2 and Farmers and Merchants Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.