Side-by-side · Q2 2026 data
Century Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Century Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 69 | 77 (stronger) |
| Capital cushion | 51 | 92 (stronger) |
| Loan quality | 80 (stronger) | 44 |
| Earnings | 70 | 91 (stronger) |
| Funding & liquidity | 72 | 78 (stronger) |
| Problem-loan coverage | 92 (stronger) | 85 |
| Peer percentile | 40th | 68th |
| Total assets | $566.2M | $565.8M |
| Deposits / shares | $509.2M | $481.2M |
| Capital ratio | 10.12% | 14.19% (stronger) |
| Problem loans | 0.60% (stronger) | 1.69% |
| Net charge-offs | 0.10% (stronger) | 0.17% |
| Return on assets | 1.24% | 1.78% (stronger) |
| Loans ÷ deposits | 76.5% | 71.8% (stronger) |
| Uninsured deposits | 26.0% | 24.6% (stronger) |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Century Bank leads on 2 and Farmers and Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.