Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs First Century Bank, National Association
Bank
First Century Bank, National Association
Commerce, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants Bank | First Century Bank, National Association |
|---|---|---|
| TellerScore | 58 | 90 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 38 | 100 (stronger) |
| Earnings | 85 | 86 (stronger) |
| Funding & liquidity | 71 (stronger) | 50 |
| Problem-loan coverage | 67 | 100 (stronger) |
| Peer percentile | 16th | 95th |
| Total assets | $862.0M | $831.6M |
| Deposits / shares | $784.7M | $693.2M |
| Capital ratio | 9.74% | 16.84% (stronger) |
| Problem loans | 1.86% | 0.00% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.63% | 1.64% (stronger) |
| Loans ÷ deposits | 78.1% | 20.3% (stronger) |
| Uninsured deposits | 25.5% (stronger) | 67.6% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
First Century Bank, National Association has the higher TellerScore (90 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and First Century Bank, National Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.