Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs North State Bank
Metric by metric
| Measure | Farmers & Merchants Bank | North State Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 35 |
| Loan quality | 74 | 94 (stronger) |
| Earnings | 100 (stronger) | 52 |
| Funding & liquidity | 83 (stronger) | 49 |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 95th | 24th |
| Total assets | $998.8M | $1.5B |
| Deposits / shares | $842.6M | $1.2B |
| Capital ratio | 15.25% (stronger) | 8.50% |
| Problem loans | 0.79% | 0.17% (stronger) |
| Net charge-offs | -0.28% (stronger) | -0.03% |
| Return on assets | 2.55% (stronger) | 0.79% |
| Loans ÷ deposits | 63.0% (stronger) | 94.2% |
| Uninsured deposits | 27.7% (stronger) | 30.9% |
| Offices | 12 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 2.5% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and North State Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.