Side-by-side · Q2 2026 data
Citizens Bank & Trust Company vs Merchants & Farmers Bank & Trust Company
Metric by metric
| Measure | Citizens Bank & Trust Company | Merchants & Farmers Bank & Trust Company |
|---|---|---|
| TellerScore | 68 | 70 (stronger) |
| Capital cushion | 69 (stronger) | 62 |
| Loan quality | 73 | 77 (stronger) |
| Earnings | 64 (stronger) | 57 |
| Funding & liquidity | 46 | 77 (stronger) |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 37th | 43rd |
| Total assets | $480.8M | $541.4M |
| Deposits / shares | $405.4M | $486.0M |
| Capital ratio | 11.93% (stronger) | 11.17% |
| Problem loans | 0.82% | 0.70% (stronger) |
| Net charge-offs | 0.09% | 0.05% (stronger) |
| Return on assets | 1.09% (stronger) | 0.92% |
| Loans ÷ deposits | 88.7% | 55.1% (stronger) |
| Uninsured deposits | 37.8% | 36.0% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.3% | 16.0% |
Merchants & Farmers Bank & Trust Company has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank & Trust Company leads on 2 and Merchants & Farmers Bank & Trust Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.