Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Pauls Valley National Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The Pauls Valley National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 39 |
| Capital cushion | 59 (stronger) | 45 |
| Loan quality | 46 (stronger) | 0 |
| Earnings | 90 (stronger) | 65 |
| Funding & liquidity | 100 (stronger) | 82 |
| Problem-loan coverage | 86 (stronger) | 3 |
| Peer percentile | 42nd | 2nd |
| Total assets | $22.0M | $356.6M |
| Deposits / shares | $19.6M | $327.4M |
| Capital ratio | 10.89% (stronger) | 9.48% |
| Problem loans | 1.61% (stronger) | 5.72% |
| Net charge-offs | 0.45% | 0.36% (stronger) |
| Return on assets | 1.75% (stronger) | 1.12% |
| Loans ÷ deposits | 60.5% (stronger) | 62.1% |
| Uninsured deposits | 13.0% (stronger) | 29.5% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 6 and The Pauls Valley National Bank on 1. 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.