Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Tower Federal Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Tower Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 83 (stronger) |
| Capital cushion | 50 | 93 (stronger) |
| Loan quality | 100 (stronger) | 87 |
| Earnings | 59 | 66 (stronger) |
| Funding & liquidity | 72 | 72 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 50th | 92nd |
| Total assets | $874.5M | $5.0B |
| Deposits / shares | $725.7M | $4.3B |
| Capital ratio | 9.98% | 14.31% (stronger) |
| Problem loans | 0.00% (stronger) | 0.39% |
| Net charge-offs | -0.02% (stronger) | 0.26% |
| Return on assets | 0.97% | 1.16% (stronger) |
| Loans ÷ deposits | 87.8% (stronger) | 88.0% |
| Uninsured deposits | 14.3% | 13.2% (stronger) |
| Offices | 9 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 30.4% |
Tower Federal Credit Union has the higher TellerScore (83 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and Tower Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.