Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs BayVanguard Bank
Metric by metric
| Measure | Farmers and Merchants Bank | BayVanguard Bank |
|---|---|---|
| TellerScore | 72 | 80 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 59 | 60 (stronger) |
| Funding & liquidity | 72 (stronger) | 52 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 50th | 77th |
| Total assets | $874.5M | $868.7M |
| Deposits / shares | $725.7M | $689.1M |
| Capital ratio | 9.98% | 17.13% (stronger) |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | -0.02% (stronger) | -0.01% |
| Return on assets | 0.97% | 1.01% (stronger) |
| Loans ÷ deposits | 87.8% (stronger) | 102.2% |
| Uninsured deposits | 14.3% (stronger) | 20.7% |
| Offices | 9 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and BayVanguard Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.