Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Citizens Trust Bank
Metric by metric
| Measure | Farmers and Merchants Bank | Citizens Trust Bank |
|---|---|---|
| TellerScore | 58 | 71 (stronger) |
| Capital cushion | 47 | 82 (stronger) |
| Loan quality | 38 | 46 (stronger) |
| Earnings | 85 (stronger) | 83 |
| Funding & liquidity | 71 (stronger) | 63 |
| Problem-loan coverage | 67 | 86 (stronger) |
| Peer percentile | 16th | 47th |
| Total assets | $862.0M | $790.3M |
| Deposits / shares | $784.7M | $678.1M |
| Capital ratio | 9.74% | 13.24% (stronger) |
| Problem loans | 1.86% | 1.63% (stronger) |
| Net charge-offs | 0.22% | 0.04% (stronger) |
| Return on assets | 1.63% (stronger) | 1.58% |
| Loans ÷ deposits | 78.1% | 56.8% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 48.1% |
| Offices | 5 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Citizens Trust Bank has the higher TellerScore (71 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 2 and Citizens Trust Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.