Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs West Central Georgia Bank
Metric by metric
| Measure | Farmers and Merchants Bank | West Central Georgia Bank |
|---|---|---|
| TellerScore | 96 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 93 | 99 (stronger) |
| Earnings | 100 (stronger) | 86 |
| Funding & liquidity | 83 | 97 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 99th | 100th |
| Total assets | $170.7M | $160.4M |
| Deposits / shares | $145.6M | $123.7M |
| Capital ratio | 16.16% | 22.22% (stronger) |
| Problem loans | 0.21% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 2.05% (stronger) | 1.65% |
| Loans ÷ deposits | 40.1% (stronger) | 62.8% |
| Uninsured deposits | 30.5% | 13.1% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
West Central Georgia Bank has the higher TellerScore (97 vs 96). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and West Central Georgia Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.