Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs BNA Bank
Metric by metric
| Measure | Farmers and Merchants Bank | BNA Bank |
|---|---|---|
| TellerScore | 77 | 77 |
| Capital cushion | 92 (stronger) | 75 |
| Loan quality | 44 | 76 (stronger) |
| Earnings | 91 (stronger) | 84 |
| Funding & liquidity | 78 (stronger) | 67 |
| Problem-loan coverage | 85 | 91 (stronger) |
| Peer percentile | 68th | 68th |
| Total assets | $565.8M | $855.7M |
| Deposits / shares | $481.2M | $718.7M |
| Capital ratio | 14.19% (stronger) | 12.49% |
| Problem loans | 1.69% | 0.72% (stronger) |
| Net charge-offs | 0.17% (stronger) | 1.52% |
| Return on assets | 1.78% (stronger) | 1.60% |
| Loans ÷ deposits | 71.8% (stronger) | 76.1% |
| Uninsured deposits | 24.6% (stronger) | 30.1% |
| Offices | 11 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and BNA Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.