Side-by-side · Q2 2026 data
Western National 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 | Western National Bank | Farmers and Merchants State Bank of Springfield |
|---|---|---|
| TellerScore | 55 (stronger) | 42 |
| Capital cushion | 35 | 37 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 25 | 74 (stronger) |
| Funding & liquidity | 60 | 83 (stronger) |
| Problem-loan coverage | 52 (stronger) | 41 |
| Peer percentile | 11th | 3rd |
| Total assets | $135.8M | $139.8M |
| Deposits / shares | $108.8M | $120.7M |
| Capital ratio | 8.52% | 8.70% (stronger) |
| Problem loans | 0.00% (stronger) | 4.48% |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.14% | 1.34% (stronger) |
| Loans ÷ deposits | 85.4% | 72.4% (stronger) |
| Uninsured deposits | 28.5% | 19.2% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Western National Bank has the higher TellerScore (55 vs 42). On the 7 directional measures above (where higher or lower is clearly better), Western National Bank leads on 2 and Farmers and Merchants State Bank of Springfield on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.