Side-by-side · Q2 2026 data
Exchange Bank Co. vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | Exchange Bank Co. | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 69 | 84 (stronger) |
| Capital cushion | 41 | 78 (stronger) |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 93 (stronger) | 83 |
| Problem-loan coverage | 84 | 100 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $341.5M | $343.5M |
| Deposits / shares | $306.1M | $301.1M |
| Capital ratio | 9.11% | 12.76% (stronger) |
| Problem loans | 1.33% | 0.00% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.16% |
| Return on assets | 2.01% (stronger) | 1.19% |
| Loans ÷ deposits | 67.4% (stronger) | 77.0% |
| Uninsured deposits | 12.4% (stronger) | 12.6% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Exchange Bank Co. leads on 4 and Farmers and Merchants Bank of St. Clair on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.