Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Carter Bank & Trust
Metric by metric
| Measure | Farmers & Merchants Bank | Carter Bank & Trust |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 67 |
| Loan quality | 74 (stronger) | 66 |
| Earnings | 100 | 100 |
| Funding & liquidity | 83 (stronger) | 70 |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 95th | 80th |
| Total assets | $998.8M | $4.8B |
| Deposits / shares | $842.6M | $4.2B |
| Capital ratio | 15.25% (stronger) | 11.73% |
| Problem loans | 0.79% (stronger) | 1.01% |
| Net charge-offs | -0.28% | -0.82% (stronger) |
| Return on assets | 2.55% | 3.66% (stronger) |
| Loans ÷ deposits | 63.0% (stronger) | 87.7% |
| Uninsured deposits | 27.7% | 17.7% (stronger) |
| Offices | 12 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 28.0% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 4 and Carter Bank & Trust on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.