Side-by-side · Q2 2026 data
Adams Bank & Trust vs Farmers & Merchants Bank of Colby
Metric by metric
| Measure | Adams Bank & Trust | Farmers & Merchants Bank of Colby |
|---|---|---|
| TellerScore | 82 (stronger) | 73 |
| Capital cushion | 91 (stronger) | 62 |
| Loan quality | 82 (stronger) | 80 |
| Earnings | 73 | 88 (stronger) |
| Funding & liquidity | 69 (stronger) | 52 |
| Problem-loan coverage | 95 (stronger) | 92 |
| Peer percentile | 93rd | 53rd |
| Total assets | $1.3B | $650.8M |
| Deposits / shares | $1.1B | $511.3M |
| Capital ratio | 14.11% (stronger) | 11.23% |
| Problem loans | 0.55% (stronger) | 0.61% |
| Net charge-offs | 0.02% | -0.04% (stronger) |
| Return on assets | 1.32% | 1.69% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 93.0% |
| Uninsured deposits | 23.0% (stronger) | 28.8% |
| Offices | 23 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.6% | — |
Adams Bank & Trust has the higher TellerScore (82 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Adams Bank & Trust leads on 5 and Farmers & Merchants Bank of Colby on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.