Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Central Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Central Bank |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 92 (stronger) | 70 |
| Loan quality | 44 | 100 (stronger) |
| Earnings | 91 (stronger) | 50 |
| Funding & liquidity | 78 | 79 (stronger) |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 68th | 72nd |
| Total assets | $565.8M | $160.2M |
| Deposits / shares | $481.2M | $141.1M |
| Capital ratio | 14.19% (stronger) | 11.95% |
| Problem loans | 1.69% | 0.00% (stronger) |
| Net charge-offs | 0.17% (stronger) | 0.65% |
| Return on assets | 1.78% (stronger) | 0.75% |
| Loans ÷ deposits | 71.8% (stronger) | 80.8% |
| Uninsured deposits | 24.6% | 15.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Central Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and Central Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.