Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Bank of America, National Association
Metric by metric
| Measure | Farmers & Merchants Bank | Bank of America, National Association |
|---|---|---|
| TellerScore | 90 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 21 |
| Loan quality | 74 | 78 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 95th | 31st |
| Total assets | $998.8M | $2.7T |
| Deposits / shares | $842.6M | $2.1T |
| Capital ratio | 15.25% (stronger) | 7.11% |
| Problem loans | 0.79% | 0.65% (stronger) |
| Net charge-offs | -0.28% (stronger) | 0.47% |
| Return on assets | 2.55% (stronger) | 1.13% |
| Loans ÷ deposits | 63.0% | 56.5% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 42.4% |
| Offices | 12 | 3,759 |
| CFPB complaints (3 yrs) | — | 55,538 |
| Complaints per $1B deposits | — | 26.2 |
| Mortgage denial rate (HMDA) | 7.8% | 44.7% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Bank of America, National Association on 2. 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.