Side-by-side · Q2 2026 data
Community Bank vs The Farmers and Merchants State Bank
Metric by metric
| Measure | Community Bank | The Farmers and Merchants State Bank |
|---|---|---|
| TellerScore | 76 | 83 (stronger) |
| Capital cushion | 72 (stronger) | 69 |
| Loan quality | 80 | 97 (stronger) |
| Earnings | 57 | 70 (stronger) |
| Funding & liquidity | 90 | 92 (stronger) |
| Problem-loan coverage | 94 | 99 (stronger) |
| Peer percentile | 56th | 73rd |
| Total assets | $69.3M | $36.0M |
| Deposits / shares | $60.2M | $32.4M |
| Capital ratio | 12.20% (stronger) | 11.89% |
| Problem loans | 0.60% | 0.08% (stronger) |
| Net charge-offs | 0.22% | -0.02% (stronger) |
| Return on assets | 0.93% | 1.25% (stronger) |
| Loans ÷ deposits | 69.8% | 41.0% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 22.8% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers and Merchants State Bank has the higher TellerScore (83 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Community Bank leads on 2 and The Farmers and Merchants State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.