Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs First-Citizens Bank & Trust Company
Metric by metric
| Measure | Farmers & Merchants Bank | First-Citizens Bank & Trust Company |
|---|---|---|
| TellerScore | 90 (stronger) | 58 |
| Capital cushion | 100 (stronger) | 47 |
| Loan quality | 74 (stronger) | 63 |
| Earnings | 100 (stronger) | 61 |
| Funding & liquidity | 83 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 85 |
| Peer percentile | 95th | 21st |
| Total assets | $998.8M | $236.3B |
| Deposits / shares | $842.6M | $174.0B |
| Capital ratio | 15.25% (stronger) | 9.75% |
| Problem loans | 0.79% (stronger) | 1.12% |
| Net charge-offs | -0.28% (stronger) | 0.29% |
| Return on assets | 2.55% (stronger) | 1.03% |
| Loans ÷ deposits | 63.0% (stronger) | 86.0% |
| Uninsured deposits | 27.7% (stronger) | 37.4% |
| Offices | 12 | 510 |
| CFPB complaints (3 yrs) | — | 632 |
| Complaints per $1B deposits | — | 3.6 |
| Mortgage denial rate (HMDA) | 7.8% | 22.5% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 7 and First-Citizens Bank & Trust Company on 0. 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.