Side-by-side · Q2 2026 data
Bristol Morgan Bank vs Farmers & Merchants Bank & Trust
Metric by metric
| Measure | Bristol Morgan Bank | Farmers & Merchants Bank & Trust |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 53 | 64 (stronger) |
| Loan quality | 86 (stronger) | 70 |
| Earnings | 56 | 64 (stronger) |
| Funding & liquidity | 55 | 66 (stronger) |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 31st | 37th |
| Total assets | $191.2M | $175.1M |
| Deposits / shares | $157.1M | $149.4M |
| Capital ratio | 10.25% | 11.36% (stronger) |
| Problem loans | 0.43% (stronger) | 0.91% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 0.91% | 1.10% (stronger) |
| Loans ÷ deposits | 97.4% | 82.7% (stronger) |
| Uninsured deposits | 22.3% (stronger) | 25.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Farmers & Merchants Bank & Trust has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bristol Morgan Bank leads on 3 and Farmers & Merchants Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.