Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Bank of Wolcott
Metric by metric
| Measure | Farmers and Merchants Bank | Bank of Wolcott |
|---|---|---|
| TellerScore | 71 | 81 (stronger) |
| Capital cushion | 40 | 70 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 80 | 88 (stronger) |
| Funding & liquidity | 52 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 47th | 80th |
| Total assets | $306.1M | $280.3M |
| Deposits / shares | $279.5M | $234.2M |
| Capital ratio | 9.05% | 12.01% (stronger) |
| Problem loans | 0.00% (stronger) | 0.43% |
| Net charge-offs | 0.01% | -0.00% (stronger) |
| Return on assets | 1.51% | 1.69% (stronger) |
| Loans ÷ deposits | 72.9% | 60.2% (stronger) |
| Uninsured deposits | 46.7% | 39.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 0.0% |
Bank of Wolcott has the higher TellerScore (81 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and Bank of Wolcott on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.