Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Queenstown Bank of Maryland
Metric by metric
| Measure | Farmers and Merchants Bank | The Queenstown Bank of Maryland |
|---|---|---|
| TellerScore | 72 | 77 (stronger) |
| Capital cushion | 50 | 66 (stronger) |
| Loan quality | 100 (stronger) | 96 |
| Earnings | 59 (stronger) | 54 |
| Funding & liquidity | 72 | 81 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 50th | 68th |
| Total assets | $874.5M | $729.5M |
| Deposits / shares | $725.7M | $648.8M |
| Capital ratio | 9.98% | 11.60% (stronger) |
| Problem loans | 0.00% (stronger) | 0.12% |
| Net charge-offs | -0.02% (stronger) | 0.01% |
| Return on assets | 0.97% (stronger) | 0.86% |
| Loans ÷ deposits | 87.8% | 72.4% (stronger) |
| Uninsured deposits | 14.3% (stronger) | 21.0% |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 4.6% |
The Queenstown Bank of Maryland has the higher TellerScore (77 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and The Queenstown Bank of Maryland on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.