Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Hardin County Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The Hardin County Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 92 (stronger) | 58 |
| Loan quality | 44 | 95 (stronger) |
| Earnings | 91 (stronger) | 72 |
| Funding & liquidity | 78 (stronger) | 73 |
| Problem-loan coverage | 85 | 93 (stronger) |
| Peer percentile | 68th | 64th |
| Total assets | $565.8M | $676.7M |
| Deposits / shares | $481.2M | $600.3M |
| Capital ratio | 14.19% (stronger) | 10.84% |
| Problem loans | 1.69% | 0.16% (stronger) |
| Net charge-offs | 0.17% | 0.02% (stronger) |
| Return on assets | 1.78% (stronger) | 1.29% |
| Loans ÷ deposits | 71.8% (stronger) | 85.6% |
| Uninsured deposits | 24.6% | 16.3% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and The Hardin County Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.