Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Palmetto State Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Palmetto State Bank |
|---|---|---|
| TellerScore | 96 (stronger) | 88 |
| Capital cushion | 100 (stronger) | 98 |
| Loan quality | 93 | 96 (stronger) |
| Earnings | 100 (stronger) | 58 |
| Funding & liquidity | 83 | 86 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 99th | 92nd |
| Total assets | $170.7M | $597.5M |
| Deposits / shares | $145.6M | $493.7M |
| Capital ratio | 16.16% (stronger) | 14.85% |
| Problem loans | 0.21% | 0.12% (stronger) |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 2.05% (stronger) | 0.96% |
| Loans ÷ deposits | 40.1% (stronger) | 46.5% |
| Uninsured deposits | 30.5% | 27.4% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 9.1% |
Farmers and Merchants Bank has the higher TellerScore (96 vs 88). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and Palmetto State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.