Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Hebron Savings Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Hebron Savings Bank |
|---|---|---|
| TellerScore | 72 | 88 (stronger) |
| Capital cushion | 50 | 84 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 59 | 87 (stronger) |
| Funding & liquidity | 72 | 73 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 50th | 92nd |
| Total assets | $874.5M | $838.8M |
| Deposits / shares | $725.7M | $723.0M |
| Capital ratio | 9.98% | 13.35% (stronger) |
| Problem loans | 0.00% (stronger) | 0.08% |
| Net charge-offs | -0.02% | -0.07% (stronger) |
| Return on assets | 0.97% | 1.68% (stronger) |
| Loans ÷ deposits | 87.8% | 87.1% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 15.3% |
| Offices | 9 | 14 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 14.8% |
Hebron Savings Bank has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Hebron Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.