Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Commerce Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Commerce Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 92 (stronger) | 75 |
| Loan quality | 44 (stronger) | 43 |
| Earnings | 91 | 100 (stronger) |
| Funding & liquidity | 78 | 83 (stronger) |
| Problem-loan coverage | 85 (stronger) | 78 |
| Peer percentile | 68th | 57th |
| Total assets | $565.8M | $167.9M |
| Deposits / shares | $481.2M | $149.0M |
| Capital ratio | 14.19% (stronger) | 12.46% |
| Problem loans | 1.69% (stronger) | 1.72% |
| Net charge-offs | 0.17% (stronger) | 0.22% |
| Return on assets | 1.78% | 2.48% (stronger) |
| Loans ÷ deposits | 71.8% (stronger) | 77.6% |
| Uninsured deposits | 24.6% | 13.2% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Commerce Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.