Side-by-side · Q2 2026 data
Commercial Bank of Mott vs Farmers and Merchants State Bank
Metric by metric
| Measure | Commercial Bank of Mott | Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 74 |
| Capital cushion | 81 | 100 (stronger) |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 90 (stronger) | 82 |
| Funding & liquidity | 63 (stronger) | 60 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 91st | 57th |
| Total assets | $140.0M | $143.1M |
| Deposits / shares | $116.1M | $105.6M |
| Capital ratio | 13.10% | 15.70% (stronger) |
| Problem loans | 0.00% (stronger) | 1.86% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.76% (stronger) | 1.54% |
| Loans ÷ deposits | 89.8% | 75.8% (stronger) |
| Uninsured deposits | 21.8% (stronger) | 36.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Commercial Bank of Mott has the higher TellerScore (87 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Commercial Bank of Mott leads on 5 and Farmers and Merchants State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.