Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Uwharrie Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Uwharrie Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 74 | 96 (stronger) |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 83 (stronger) | 69 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 95th | 74th |
| Total assets | $998.8M | $1.2B |
| Deposits / shares | $842.6M | $1.1B |
| Capital ratio | 15.25% (stronger) | 10.07% |
| Problem loans | 0.79% | 0.11% (stronger) |
| Net charge-offs | -0.28% (stronger) | -0.02% |
| Return on assets | 2.55% (stronger) | 1.26% |
| Loans ÷ deposits | 63.0% | 63.0% (stronger) |
| Uninsured deposits | 27.7% (stronger) | 40.1% |
| Offices | 12 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.8% | 6.2% |
Farmers & Merchants Bank has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 5 and Uwharrie Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.