Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Citizens National Bank of Texas
Metric by metric
| Measure | Farmers and Merchants Bank | Citizens National Bank of Texas |
|---|---|---|
| TellerScore | 85 (stronger) | 70 |
| Capital cushion | 70 | 72 (stronger) |
| Loan quality | 100 (stronger) | 53 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 47 |
| Problem-loan coverage | 100 (stronger) | 78 |
| Peer percentile | 88th | 58th |
| Total assets | $269.8M | $2.2B |
| Deposits / shares | $232.9M | $1.9B |
| Capital ratio | 11.97% | 12.20% (stronger) |
| Problem loans | 0.00% (stronger) | 1.42% |
| Net charge-offs | 0.33% | 0.04% (stronger) |
| Return on assets | 1.49% | 2.49% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 101.2% |
| Uninsured deposits | 27.8% | 25.7% (stronger) |
| Offices | 6 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.2% |
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 3 and Citizens National Bank of Texas on 4. 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.