Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs TexasBank
Metric by metric
| Measure | Farmers and Merchants Bank | TexasBank |
|---|---|---|
| TellerScore | 85 (stronger) | 80 |
| Capital cushion | 70 | 79 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 84 (stronger) | 37 |
| Problem-loan coverage | 100 (stronger) | 90 |
| Peer percentile | 88th | 90th |
| Total assets | $269.8M | $2.5B |
| Deposits / shares | $232.9M | $2.0B |
| Capital ratio | 11.97% | 12.87% (stronger) |
| Problem loans | 0.00% (stronger) | 0.41% |
| Net charge-offs | 0.33% | 0.12% (stronger) |
| Return on assets | 1.49% | 2.33% (stronger) |
| Loans ÷ deposits | 62.7% (stronger) | 105.3% |
| Uninsured deposits | 27.8% (stronger) | 30.9% |
| Offices | 6 | 17 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and TexasBank 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.
Where both have branches
- Stephenville, TX
- Comanche, TX
- Eastland, TX