Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Prosperity Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Prosperity Bank |
|---|---|---|
| TellerScore | 85 (stronger) | 71 |
| Capital cushion | 70 (stronger) | 56 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 80 (stronger) | 75 |
| Funding & liquidity | 84 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 88th | 76th |
| Total assets | $269.8M | $43.9B |
| Deposits / shares | $232.9M | $32.9B |
| Capital ratio | 11.97% (stronger) | 10.64% |
| Problem loans | 0.00% (stronger) | 0.48% |
| Net charge-offs | 0.33% (stronger) | 0.35% |
| Return on assets | 1.49% (stronger) | 1.37% |
| Loans ÷ deposits | 62.7% (stronger) | 74.8% |
| Uninsured deposits | 27.8% (stronger) | 42.7% |
| Offices | 6 | 373 |
| CFPB complaints (3 yrs) | — | 117 |
| Complaints per $1B deposits | — | 3.6 |
| Mortgage denial rate (HMDA) | — | 31.5% |
Farmers and Merchants Bank has the higher TellerScore (85 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 7 and Prosperity Bank on 0. 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.
Where both have branches
- Comanche, TX
- Early, TX