Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First National Bank of Dublin
Metric by metric
| Measure | Farmers and Merchants Bank | First National Bank of Dublin |
|---|---|---|
| TellerScore | 85 | 88 (stronger) |
| Capital cushion | 70 | 74 (stronger) |
| Loan quality | 100 (stronger) | 97 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 79 |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 88th | 92nd |
| Total assets | $269.8M | $134.2M |
| Deposits / shares | $232.9M | $116.9M |
| Capital ratio | 11.97% | 12.41% (stronger) |
| Problem loans | 0.00% (stronger) | 0.10% |
| Net charge-offs | 0.33% | 0.21% (stronger) |
| Return on assets | 1.49% | 2.21% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 81.1% |
| Uninsured deposits | 27.8% | 14.2% (stronger) |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First National Bank of Dublin has the higher TellerScore (88 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and First National Bank of Dublin on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- De Leon, TX