Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The State Exchange Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The State Exchange Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 65 |
| Capital cushion | 56 | 72 (stronger) |
| Loan quality | 100 (stronger) | 38 |
| Earnings | 56 | 69 (stronger) |
| Funding & liquidity | 99 (stronger) | 78 |
| Problem-loan coverage | 100 (stronger) | 86 |
| Peer percentile | 86th | 26th |
| Total assets | $1.1B | $50.9M |
| Deposits / shares | $885.6M | $46.5M |
| Capital ratio | 10.64% | 12.25% (stronger) |
| Problem loans | 0.00% (stronger) | 1.85% |
| Net charge-offs | -0.00% (stronger) | 0.08% |
| Return on assets | 0.89% | 1.22% (stronger) |
| Loans ÷ deposits | 26.2% (stronger) | 36.2% |
| Uninsured deposits | 16.0% (stronger) | 34.6% |
| Offices | 12 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.7% | — |
Farmers and Merchants Bank has the higher TellerScore (78 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and The State Exchange Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.