Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Bedford Federal Savings Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Bedford Federal Savings Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 58 |
| Capital cushion | 40 | 50 (stronger) |
| Loan quality | 100 (stronger) | 44 |
| Earnings | 80 | 84 (stronger) |
| Funding & liquidity | 52 (stronger) | 49 |
| Problem-loan coverage | 100 (stronger) | 74 |
| Peer percentile | 47th | 16th |
| Total assets | $306.1M | $303.0M |
| Deposits / shares | $279.5M | $261.7M |
| Capital ratio | 9.05% | 9.96% (stronger) |
| Problem loans | 0.00% (stronger) | 1.69% |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.51% | 1.60% (stronger) |
| Loans ÷ deposits | 72.9% (stronger) | 92.4% |
| Uninsured deposits | 46.7% | 31.6% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and Bedford Federal Savings Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.