Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Bank of DeSoto, National Association
Metric by metric
| Measure | Farmers and Merchants Bank | Bank of DeSoto, National Association |
|---|---|---|
| TellerScore | 85 (stronger) | 70 |
| Capital cushion | 70 (stronger) | 51 |
| Loan quality | 100 (stronger) | 67 |
| Earnings | 80 | 85 (stronger) |
| Funding & liquidity | 84 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 87 |
| Peer percentile | 88th | 43rd |
| Total assets | $269.8M | $264.6M |
| Deposits / shares | $232.9M | $237.3M |
| Capital ratio | 11.97% (stronger) | 10.06% |
| Problem loans | 0.00% (stronger) | 0.98% |
| Net charge-offs | 0.33% (stronger) | 0.35% |
| Return on assets | 1.49% | 1.62% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 63.6% |
| Uninsured deposits | 27.8% (stronger) | 30.8% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.0% |
Farmers and Merchants Bank has the higher TellerScore (85 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 6 and Bank of DeSoto, National Association on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.