Side-by-side · Q2 2026 data
Bank of Eufaula vs Farmers and Merchants Bank
Metric by metric
| Measure | Bank of Eufaula | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 68 | 85 (stronger) |
| Capital cushion | 71 | 80 (stronger) |
| Loan quality | 85 | 86 (stronger) |
| Earnings | 19 | 82 (stronger) |
| Funding & liquidity | 84 | 86 (stronger) |
| Problem-loan coverage | 92 | 98 (stronger) |
| Peer percentile | 33rd | 78th |
| Total assets | $87.1M | $80.3M |
| Deposits / shares | $77.0M | $69.9M |
| Capital ratio | 12.09% | 13.00% (stronger) |
| Problem loans | 0.46% | 0.42% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.82% |
| Return on assets | -0.04% | 1.56% (stronger) |
| Loans ÷ deposits | 29.5% (stronger) | 34.4% |
| Uninsured deposits | 29.8% | 27.8% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Bank of Eufaula leads on 2 and Farmers and Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.