Side-by-side · Q2 2026 data
Bank of Washington vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | Bank of Washington | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 44 | 84 (stronger) |
| Capital cushion | 75 | 78 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 55 | 68 (stronger) |
| Funding & liquidity | 40 | 83 (stronger) |
| Problem-loan coverage | 42 | 100 (stronger) |
| Peer percentile | 4th | 86th |
| Total assets | $1.1B | $343.5M |
| Deposits / shares | $887.8M | $301.1M |
| Capital ratio | 12.47% | 12.76% (stronger) |
| Problem loans | 3.50% | 0.00% (stronger) |
| Net charge-offs | 0.39% | 0.16% (stronger) |
| Return on assets | 0.86% | 1.19% (stronger) |
| Loans ÷ deposits | 113.7% | 77.0% (stronger) |
| Uninsured deposits | 24.0% | 12.6% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Bank of Washington leads on 0 and Farmers and Merchants Bank of St. Clair on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.