Side-by-side · Q2 2026 data
AuburnBank vs Farmers and Merchants Bank
Metric by metric
| Measure | AuburnBank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 70 |
| Capital cushion | 57 | 66 (stronger) |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 55 | 63 (stronger) |
| Funding & liquidity | 74 | 80 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 74th | 43rd |
| Total assets | $1.1B | $307.6M |
| Deposits / shares | $990.5M | $276.9M |
| Capital ratio | 10.65% | 11.56% (stronger) |
| Problem loans | 0.01% (stronger) | 0.98% |
| Net charge-offs | 0.13% (stronger) | 0.14% |
| Return on assets | 0.88% | 1.08% (stronger) |
| Loans ÷ deposits | 57.9% | 45.6% (stronger) |
| Uninsured deposits | 38.4% | 33.3% (stronger) |
| Offices | 7 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.3% | — |
AuburnBank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), AuburnBank leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.