Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs 22nd State Banking Company
Metric by metric
| Measure | Farmers and Merchants Bank | 22nd State Banking Company |
|---|---|---|
| TellerScore | 75 (stronger) | 41 |
| Capital cushion | 77 (stronger) | 61 |
| Loan quality | 74 (stronger) | 0 |
| Earnings | 54 (stronger) | 40 |
| Funding & liquidity | 89 (stronger) | 55 |
| Problem-loan coverage | 93 (stronger) | 62 |
| Peer percentile | 61st | 3rd |
| Total assets | $308.7M | $292.2M |
| Deposits / shares | $268.6M | $241.9M |
| Capital ratio | 12.73% (stronger) | 11.12% |
| Problem loans | 0.78% (stronger) | 3.39% |
| Net charge-offs | 0.10% (stronger) | 4.31% |
| Return on assets | 0.85% (stronger) | 0.51% |
| Loans ÷ deposits | 56.3% (stronger) | 87.9% |
| Uninsured deposits | 25.6% (stronger) | 30.4% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Farmers and Merchants Bank has the higher TellerScore (75 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 7 and 22nd State Banking Company on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.