Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Community Bank of Georgia
Metric by metric
| Measure | Farmers and Merchants Bank | Community Bank of Georgia |
|---|---|---|
| TellerScore | 58 | 74 (stronger) |
| Capital cushion | 47 | 60 (stronger) |
| Loan quality | 38 | 65 (stronger) |
| Earnings | 85 | 94 (stronger) |
| Funding & liquidity | 71 | 83 (stronger) |
| Problem-loan coverage | 67 | 87 (stronger) |
| Peer percentile | 16th | 57th |
| Total assets | $862.0M | $269.5M |
| Deposits / shares | $784.7M | $239.6M |
| Capital ratio | 9.74% | 10.99% (stronger) |
| Problem loans | 1.86% | 1.05% (stronger) |
| Net charge-offs | 0.22% | 0.10% (stronger) |
| Return on assets | 1.63% | 1.85% (stronger) |
| Loans ÷ deposits | 78.1% | 77.1% (stronger) |
| Uninsured deposits | 25.5% | 14.8% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Community Bank of Georgia has the higher TellerScore (74 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 0 and Community Bank of Georgia on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.