Side-by-side · Q2 2026 data
Chesapeake Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Chesapeake Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 81 (stronger) | 70 |
| Capital cushion | 62 (stronger) | 41 |
| Loan quality | 92 (stronger) | 86 |
| Earnings | 91 (stronger) | 70 |
| Funding & liquidity | 77 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 91st | 58th |
| Total assets | $1.7B | $1.4B |
| Deposits / shares | $1.5B | $1.3B |
| Capital ratio | 11.18% (stronger) | 9.10% |
| Problem loans | 0.24% (stronger) | 0.43% |
| Net charge-offs | 0.07% (stronger) | 0.07% |
| Return on assets | 1.78% (stronger) | 1.24% |
| Loans ÷ deposits | 74.2% | 72.6% (stronger) |
| Uninsured deposits | 23.2% | 14.1% (stronger) |
| Offices | 17 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 19.4% | 3.6% |
Chesapeake Bank has the higher TellerScore (81 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Chesapeake Bank leads on 5 and Farmers & Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.