Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Ciera Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Ciera Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 66 |
| Capital cushion | 70 (stronger) | 61 |
| Loan quality | 100 (stronger) | 59 |
| Earnings | 80 | 80 |
| Funding & liquidity | 84 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 85 |
| Peer percentile | 88th | 31st |
| Total assets | $269.8M | $992.9M |
| Deposits / shares | $232.9M | $868.8M |
| Capital ratio | 11.97% (stronger) | 11.13% |
| Problem loans | 0.00% (stronger) | 1.22% |
| Net charge-offs | 0.33% | 0.22% (stronger) |
| Return on assets | 1.49% | 1.50% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 86.5% |
| Uninsured deposits | 27.8% (stronger) | 32.7% |
| Offices | 6 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.7% |
Farmers and Merchants Bank has the higher TellerScore (85 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and Ciera Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.