Side-by-side · Q2 2026 data
Brooks Bank, National Association vs Farmers and Merchants Bank
Metric by metric
| Measure | Brooks Bank, National Association | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 70 | 71 (stronger) |
| Capital cushion | 83 (stronger) | 59 |
| Loan quality | 13 | 46 (stronger) |
| Earnings | 100 (stronger) | 90 |
| Funding & liquidity | 95 | 100 (stronger) |
| Problem-loan coverage | 78 | 86 (stronger) |
| Peer percentile | 58th | 42nd |
| Total assets | $1.1B | $22.0M |
| Deposits / shares | $897.1M | $19.6M |
| Capital ratio | 13.31% (stronger) | 10.89% |
| Problem loans | 2.61% | 1.61% (stronger) |
| Net charge-offs | -0.11% (stronger) | 0.45% |
| Return on assets | 2.10% (stronger) | 1.75% |
| Loans ÷ deposits | 57.6% (stronger) | 60.5% |
| Uninsured deposits | 19.7% | 13.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 24.1% | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Brooks Bank, National Association leads on 4 and Farmers and Merchants Bank on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.