Side-by-side · Q2 2026 data
Community Spirit Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Community Spirit Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 47 | 92 (stronger) |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 75 | 91 (stronger) |
| Funding & liquidity | 84 (stronger) | 78 |
| Problem-loan coverage | 99 (stronger) | 85 |
| Peer percentile | 68th | 68th |
| Total assets | $228.8M | $565.8M |
| Deposits / shares | $205.7M | $481.2M |
| Capital ratio | 9.73% | 14.19% (stronger) |
| Problem loans | 0.00% (stronger) | 1.69% |
| Net charge-offs | 0.34% | 0.17% (stronger) |
| Return on assets | 1.39% | 1.78% (stronger) |
| Loans ÷ deposits | 72.5% | 71.8% (stronger) |
| Uninsured deposits | 18.0% (stronger) | 24.6% |
| Offices | 5 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Community Spirit Bank leads on 2 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Fulton, MS