Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs NobleBank & Trust
Metric by metric
| Measure | Farmers and Merchants Bank | NobleBank & Trust |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 77 (stronger) | 63 |
| Loan quality | 74 | 91 (stronger) |
| Earnings | 54 | 89 (stronger) |
| Funding & liquidity | 89 (stronger) | 76 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 61st | 80th |
| Total assets | $308.7M | $444.0M |
| Deposits / shares | $268.6M | $396.6M |
| Capital ratio | 12.73% (stronger) | 11.32% |
| Problem loans | 0.78% | 0.26% (stronger) |
| Net charge-offs | 0.10% | 0.02% (stronger) |
| Return on assets | 0.85% | 1.74% (stronger) |
| Loans ÷ deposits | 56.3% (stronger) | 68.4% |
| Uninsured deposits | 25.6% (stronger) | 29.4% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
NobleBank & Trust has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and NobleBank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Anniston, AL
- Oxford, AL
- Piedmont, AL