Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First Bank & Trust Co.
Metric by metric
| Measure | Farmers and Merchants Bank | First Bank & Trust Co. |
|---|---|---|
| TellerScore | 71 (stronger) | 61 |
| Capital cushion | 59 | 99 (stronger) |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 90 | 100 (stronger) |
| Funding & liquidity | 100 (stronger) | 44 |
| Problem-loan coverage | 86 (stronger) | 51 |
| Peer percentile | 42nd | 20th |
| Total assets | $22.0M | $952.1M |
| Deposits / shares | $19.6M | $802.1M |
| Capital ratio | 10.89% | 14.89% (stronger) |
| Problem loans | 1.61% (stronger) | 5.22% |
| Net charge-offs | 0.45% (stronger) | 0.68% |
| Return on assets | 1.75% | 2.20% (stronger) |
| Loans ÷ deposits | 60.5% (stronger) | 87.4% |
| Uninsured deposits | 13.0% (stronger) | 40.7% |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 5 and First Bank & Trust Co. on 2. 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.