Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs HNB First Bank
Metric by metric
| Measure | Farmers and Merchants Bank | HNB First Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 64 |
| Capital cushion | 77 (stronger) | 45 |
| Loan quality | 74 | 79 (stronger) |
| Earnings | 54 | 66 (stronger) |
| Funding & liquidity | 89 (stronger) | 57 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 61st | 26th |
| Total assets | $308.7M | $282.4M |
| Deposits / shares | $268.6M | $253.7M |
| Capital ratio | 12.73% (stronger) | 9.53% |
| Problem loans | 0.78% | 0.63% (stronger) |
| Net charge-offs | 0.10% | 0.01% (stronger) |
| Return on assets | 0.85% | 1.15% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 87.0% |
| Uninsured deposits | 25.6% (stronger) | 29.9% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 13.6% |
Farmers and Merchants Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and HNB First Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.