Side-by-side · Q2 2026 data
Century Bank and Trust vs Farmers & Merchants Bank
Metric by metric
| Measure | Century Bank and Trust | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 66 |
| Capital cushion | 68 (stronger) | 62 |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 98 (stronger) | 42 |
| Funding & liquidity | 83 (stronger) | 72 |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 91st | 31st |
| Total assets | $490.7M | $289.6M |
| Deposits / shares | $435.3M | $258.6M |
| Capital ratio | 11.79% (stronger) | 11.20% |
| Problem loans | 0.07% (stronger) | 0.74% |
| Net charge-offs | -0.01% | -0.12% (stronger) |
| Return on assets | 1.94% (stronger) | 0.55% |
| Loans ÷ deposits | 61.6% | 54.3% (stronger) |
| Uninsured deposits | 28.9% (stronger) | 40.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Century Bank and Trust has the higher TellerScore (87 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Century Bank and Trust leads on 5 and Farmers & Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.