Side-by-side · Q2 2026 data
Commercial Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Commercial Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 56 | 78 (stronger) |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 62 (stronger) | 56 |
| Funding & liquidity | 42 | 99 (stronger) |
| Problem-loan coverage | 71 | 100 (stronger) |
| Peer percentile | 15th | 86th |
| Total assets | $56.5M | $1.1B |
| Deposits / shares | $47.0M | $885.6M |
| Capital ratio | 15.24% (stronger) | 10.64% |
| Problem loans | 3.06% | 0.00% (stronger) |
| Net charge-offs | 0.25% | -0.00% (stronger) |
| Return on assets | 1.05% (stronger) | 0.89% |
| Loans ÷ deposits | 82.1% | 26.2% (stronger) |
| Uninsured deposits | 47.3% | 16.0% (stronger) |
| Offices | 1 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
Farmers and Merchants Bank has the higher TellerScore (78 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank leads on 2 and Farmers and Merchants 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.