Side-by-side · Q2 2026 data
Ergo Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | Ergo Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 44 | 78 (stronger) |
| Capital cushion | 34 | 50 (stronger) |
| Loan quality | 42 | 95 (stronger) |
| Earnings | 33 | 91 (stronger) |
| Funding & liquidity | 61 | 76 (stronger) |
| Problem-loan coverage | 72 | 96 (stronger) |
| Peer percentile | 4th | 72nd |
| Total assets | $276.7M | $872.1M |
| Deposits / shares | $226.2M | $751.9M |
| Capital ratio | 8.42% | 9.97% (stronger) |
| Problem loans | 1.74% | 0.15% (stronger) |
| Net charge-offs | -0.00% | -0.05% (stronger) |
| Return on assets | 0.33% | 1.76% (stronger) |
| Loans ÷ deposits | 98.3% | 84.5% (stronger) |
| Uninsured deposits | 15.4% | 14.6% (stronger) |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Ergo Bank leads on 0 and Farmers and Merchants Union Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.