Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Metro Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Metro Bank |
|---|---|---|
| TellerScore | 75 | 80 (stronger) |
| Capital cushion | 77 | 97 (stronger) |
| Loan quality | 74 (stronger) | 61 |
| Earnings | 54 | 77 (stronger) |
| Funding & liquidity | 89 (stronger) | 76 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 61st | 90th |
| Total assets | $308.7M | $1.2B |
| Deposits / shares | $268.6M | $1.0B |
| Capital ratio | 12.73% | 14.68% (stronger) |
| Problem loans | 0.78% (stronger) | 1.18% |
| Net charge-offs | 0.10% (stronger) | 0.18% |
| Return on assets | 0.85% | 1.41% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 58.4% |
| Uninsured deposits | 25.6% (stronger) | 37.0% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Metro Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and Metro Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.