Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs McClain Bank
Metric by metric
| Measure | Farmers and Merchants Bank | McClain Bank |
|---|---|---|
| TellerScore | 71 | 76 (stronger) |
| Capital cushion | 59 (stronger) | 45 |
| Loan quality | 46 | 91 (stronger) |
| Earnings | 90 (stronger) | 88 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 86 | 94 (stronger) |
| Peer percentile | 42nd | 64th |
| Total assets | $22.0M | $294.0M |
| Deposits / shares | $19.6M | $265.8M |
| Capital ratio | 10.89% (stronger) | 9.52% |
| Problem loans | 1.61% | 0.28% (stronger) |
| Net charge-offs | 0.45% | 0.03% (stronger) |
| Return on assets | 1.75% (stronger) | 1.70% |
| Loans ÷ deposits | 60.5% (stronger) | 75.3% |
| Uninsured deposits | 13.0% (stronger) | 17.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.7% |
McClain Bank has the higher TellerScore (76 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 4 and McClain Bank 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.