Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The State Exchange Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The State Exchange Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 61 | 72 (stronger) |
| Loan quality | 94 (stronger) | 38 |
| Earnings | 91 (stronger) | 69 |
| Funding & liquidity | 53 | 78 (stronger) |
| Problem-loan coverage | 97 (stronger) | 86 |
| Peer percentile | 72nd | 26th |
| Total assets | $215.4M | $50.9M |
| Deposits / shares | $165.1M | $46.5M |
| Capital ratio | 11.08% | 12.25% (stronger) |
| Problem loans | 0.19% (stronger) | 1.85% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.78% (stronger) | 1.22% |
| Loans ÷ deposits | 107.1% | 36.2% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 34.6% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and The State Exchange Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.