Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs York State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | York State Bank |
|---|---|---|
| TellerScore | 78 | 90 (stronger) |
| Capital cushion | 61 | 89 (stronger) |
| Loan quality | 94 (stronger) | 93 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 53 | 70 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 72nd | 95th |
| Total assets | $215.4M | $200.2M |
| Deposits / shares | $165.1M | $167.4M |
| Capital ratio | 11.08% | 13.92% (stronger) |
| Problem loans | 0.19% (stronger) | 0.20% |
| Net charge-offs | 0.00% (stronger) | 0.08% |
| Return on assets | 1.78% | 2.08% (stronger) |
| Loans ÷ deposits | 107.1% | 77.1% (stronger) |
| Uninsured deposits | 12.4% (stronger) | 27.4% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
York State Bank has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and York State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.