Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs 22nd State Banking Company
Metric by metric
| Measure | Farmers and Merchants Bank | 22nd State Banking Company |
|---|---|---|
| TellerScore | 70 (stronger) | 41 |
| Capital cushion | 66 (stronger) | 61 |
| Loan quality | 67 (stronger) | 0 |
| Earnings | 63 (stronger) | 40 |
| Funding & liquidity | 80 (stronger) | 55 |
| Problem-loan coverage | 89 (stronger) | 62 |
| Peer percentile | 43rd | 3rd |
| Total assets | $307.6M | $292.2M |
| Deposits / shares | $276.9M | $241.9M |
| Capital ratio | 11.56% (stronger) | 11.12% |
| Problem loans | 0.98% (stronger) | 3.39% |
| Net charge-offs | 0.14% (stronger) | 4.31% |
| Return on assets | 1.08% (stronger) | 0.51% |
| Loans ÷ deposits | 45.6% (stronger) | 87.9% |
| Uninsured deposits | 33.3% | 30.4% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (70 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 6 and 22nd State Banking Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.