Side-by-side · Q2 2026 data
Bath State Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Bath State Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 60 | 71 (stronger) |
| Capital cushion | 38 | 40 (stronger) |
| Loan quality | 74 | 100 (stronger) |
| Earnings | 60 | 80 (stronger) |
| Funding & liquidity | 63 (stronger) | 52 |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 19th | 47th |
| Total assets | $337.6M | $306.1M |
| Deposits / shares | $283.9M | $279.5M |
| Capital ratio | 8.82% | 9.05% (stronger) |
| Problem loans | 0.78% | 0.00% (stronger) |
| Net charge-offs | 0.02% | 0.01% (stronger) |
| Return on assets | 1.01% | 1.51% (stronger) |
| Loans ÷ deposits | 88.5% | 72.9% (stronger) |
| Uninsured deposits | 23.1% (stronger) | 46.7% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.9% | 5.3% |
Farmers and Merchants Bank has the higher TellerScore (71 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Bath State Bank leads on 1 and Farmers and Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.