Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Mid-Tex Federal Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Mid-Tex Federal Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 65 |
| Capital cushion | 70 (stronger) | 42 |
| Loan quality | 100 (stronger) | 70 |
| Earnings | 80 (stronger) | 56 |
| Funding & liquidity | 84 | 98 (stronger) |
| Problem-loan coverage | 100 (stronger) | 89 |
| Peer percentile | 88th | 30th |
| Total assets | $269.8M | $36.4M |
| Deposits / shares | $232.9M | $33.7M |
| Capital ratio | 11.97% (stronger) | 9.20% |
| Problem loans | 0.00% (stronger) | 0.90% |
| Net charge-offs | 0.33% | 0.07% (stronger) |
| Return on assets | 1.49% (stronger) | 0.89% |
| Loans ÷ deposits | 62.7% | 62.6% (stronger) |
| Uninsured deposits | 27.8% | 4.8% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and Mid-Tex Federal Credit Union on 3. 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.