Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 70 |
| Capital cushion | 77 (stronger) | 66 |
| Loan quality | 74 (stronger) | 67 |
| Earnings | 54 | 63 (stronger) |
| Funding & liquidity | 89 (stronger) | 80 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 61st | 43rd |
| Total assets | $308.7M | $307.6M |
| Deposits / shares | $268.6M | $276.9M |
| Capital ratio | 12.73% (stronger) | 11.56% |
| Problem loans | 0.78% (stronger) | 0.98% |
| Net charge-offs | 0.10% (stronger) | 0.14% |
| Return on assets | 0.85% | 1.08% (stronger) |
| Loans ÷ deposits | 56.3% | 45.6% (stronger) |
| Uninsured deposits | 25.6% (stronger) | 33.3% |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Farmers and Merchants Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Farmers and Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.