Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Peoples Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The Peoples Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 72 |
| Capital cushion | 92 (stronger) | 52 |
| Loan quality | 44 | 89 (stronger) |
| Earnings | 91 (stronger) | 60 |
| Funding & liquidity | 78 | 83 (stronger) |
| Problem-loan coverage | 85 | 97 (stronger) |
| Peer percentile | 68th | 50th |
| Total assets | $565.8M | $581.8M |
| Deposits / shares | $481.2M | $522.6M |
| Capital ratio | 14.19% (stronger) | 10.25% |
| Problem loans | 1.69% | 0.34% (stronger) |
| Net charge-offs | 0.17% | -0.03% (stronger) |
| Return on assets | 1.78% (stronger) | 1.00% |
| Loans ÷ deposits | 71.8% | 45.2% (stronger) |
| Uninsured deposits | 24.6% (stronger) | 30.5% |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and The Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.