Side-by-side · Q2 2026 data
Cowboy Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Cowboy Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 84 | 85 (stronger) |
| Capital cushion | 77 | 80 (stronger) |
| Loan quality | 84 | 86 (stronger) |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 70 | 86 (stronger) |
| Problem-loan coverage | 95 | 98 (stronger) |
| Peer percentile | 86th | 78th |
| Total assets | $350.3M | $80.3M |
| Deposits / shares | $297.7M | $69.9M |
| Capital ratio | 12.72% | 13.00% (stronger) |
| Problem loans | 0.49% | 0.42% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.82% |
| Return on assets | 2.62% (stronger) | 1.56% |
| Loans ÷ deposits | 85.3% | 34.4% (stronger) |
| Uninsured deposits | 19.5% (stronger) | 27.8% |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Cowboy Bank leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.