Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First Peoples Bank
Metric by metric
| Measure | Farmers and Merchants Bank | First Peoples Bank |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 66 | 78 (stronger) |
| Loan quality | 67 | 96 (stronger) |
| Earnings | 63 (stronger) | 62 |
| Funding & liquidity | 80 (stronger) | 51 |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 43rd | 68th |
| Total assets | $307.6M | $449.4M |
| Deposits / shares | $276.9M | $379.2M |
| Capital ratio | 11.56% | 12.84% (stronger) |
| Problem loans | 0.98% | 0.12% (stronger) |
| Net charge-offs | 0.14% | 0.06% (stronger) |
| Return on assets | 1.08% (stronger) | 1.04% |
| Loans ÷ deposits | 45.6% (stronger) | 92.6% |
| Uninsured deposits | 33.3% | 29.8% (stronger) |
| Offices | 3 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
First Peoples Bank has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and First Peoples Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.