Side-by-side · Q2 2026 data
CBI Bank & Trust vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | CBI Bank & Trust | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 64 | 83 (stronger) |
| Capital cushion | 52 | 86 (stronger) |
| Loan quality | 66 | 100 (stronger) |
| Earnings | 64 (stronger) | 60 |
| Funding & liquidity | 68 | 69 (stronger) |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 33rd | 84th |
| Total assets | $1.7B | $122.5M |
| Deposits / shares | $1.4B | $102.7M |
| Capital ratio | 10.23% | 13.62% (stronger) |
| Problem loans | 1.01% | 0.00% (stronger) |
| Net charge-offs | 0.03% | 0.00% (stronger) |
| Return on assets | 1.11% (stronger) | 1.00% |
| Loans ÷ deposits | 73.8% (stronger) | 76.4% |
| Uninsured deposits | 31.2% | 28.1% (stronger) |
| Offices | 24 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 64). On the 7 directional measures above (where higher or lower is clearly better), CBI Bank & Trust leads on 2 and Farmers and Merchants Savings Bank on 5. 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.