Side-by-side · Q2 2026 data
Farmers & Merchants Bank & Trust vs Oakwood Bank
Metric by metric
| Measure | Farmers & Merchants Bank & Trust | Oakwood Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 62 |
| Capital cushion | 64 (stronger) | 35 |
| Loan quality | 70 | 72 (stronger) |
| Earnings | 64 | 81 (stronger) |
| Funding & liquidity | 66 (stronger) | 58 |
| Problem-loan coverage | 86 | 88 (stronger) |
| Peer percentile | 37th | 22nd |
| Total assets | $175.1M | $156.4M |
| Deposits / shares | $149.4M | $123.9M |
| Capital ratio | 11.36% (stronger) | 8.48% |
| Problem loans | 0.91% | 0.84% (stronger) |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.10% | 1.53% (stronger) |
| Loans ÷ deposits | 82.7% (stronger) | 102.3% |
| Uninsured deposits | 25.2% | 14.6% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank & Trust has the higher TellerScore (68 vs 62). On the 6 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank & Trust leads on 3 and Oakwood Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.