Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs First Community Bank
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | First Community Bank |
|---|---|---|
| TellerScore | 68 | 77 (stronger) |
| Capital cushion | 64 (stronger) | 54 |
| Loan quality | 70 | 89 (stronger) |
| Earnings | 64 | 92 (stronger) |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 86 | 95 (stronger) |
| Peer percentile | 37th | 68th |
| Total assets | $175.1M | $158.9M |
| Deposits / shares | $149.4M | $141.8M |
| Capital ratio | 11.36% (stronger) | 10.38% |
| Problem loans | 0.91% | 0.34% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.10% | 1.81% (stronger) |
| Loans ÷ deposits | 82.7% (stronger) | 86.5% |
| Uninsured deposits | 25.2% | 15.5% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
First Community Bank has the higher TellerScore (77 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 2 and First Community Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.