Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Truist Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Truist Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 63 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 74 | 76 (stronger) |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 83 (stronger) | 49 |
| Problem-loan coverage | 95 (stronger) | 93 |
| Peer percentile | 95th | 61st |
| Total assets | $998.8M | $548.3B |
| Deposits / shares | $842.6M | $419.2B |
| Capital ratio | 15.25% (stronger) | 9.82% |
| Problem loans | 0.79% | 0.72% (stronger) |
| Net charge-offs | -0.28% (stronger) | 0.55% |
| Return on assets | 2.55% (stronger) | 1.16% |
| Loans ÷ deposits | 63.0% (stronger) | 78.0% |
| Uninsured deposits | 27.7% (stronger) | 44.9% |
| Offices | 12 | 1,908 |
| CFPB complaints (3 yrs) | — | 14,419 |
| Complaints per $1B deposits | — | 34.4 |
| Mortgage denial rate (HMDA) | 7.8% | 40.8% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and Truist Bank on 1. 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.