Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Cattlemens Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Cattlemens Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 68 |
| Capital cushion | 63 (stronger) | 53 |
| Loan quality | 100 (stronger) | 90 |
| Earnings | 48 | 72 (stronger) |
| Funding & liquidity | 100 (stronger) | 41 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 63rd | 37th |
| Total assets | $20.5M | $595.2M |
| Deposits / shares | $18.1M | $468.9M |
| Capital ratio | 11.30% (stronger) | 10.28% |
| Problem loans | 0.00% (stronger) | 0.29% |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 0.71% | 1.30% (stronger) |
| Loans ÷ deposits | 34.8% (stronger) | 111.0% |
| Uninsured deposits | 10.1% (stronger) | 23.6% |
| Offices | 1 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.8% |
Farmers & Merchants Bank has the higher TellerScore (79 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Cattlemens Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.