Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs PromiseOne Bank
Metric by metric
| Measure | Farmers and Merchants Bank | PromiseOne Bank |
|---|---|---|
| TellerScore | 58 | 68 (stronger) |
| Capital cushion | 47 | 51 (stronger) |
| Loan quality | 38 | 73 (stronger) |
| Earnings | 85 (stronger) | 81 |
| Funding & liquidity | 71 (stronger) | 65 |
| Problem-loan coverage | 67 | 85 (stronger) |
| Peer percentile | 16th | 37th |
| Total assets | $862.0M | $812.2M |
| Deposits / shares | $784.7M | $732.2M |
| Capital ratio | 9.74% | 10.12% (stronger) |
| Problem loans | 1.86% | 0.81% (stronger) |
| Net charge-offs | 0.22% | 0.10% (stronger) |
| Return on assets | 1.63% (stronger) | 1.52% |
| Loans ÷ deposits | 78.1% (stronger) | 83.7% |
| Uninsured deposits | 25.5% (stronger) | 25.7% |
| Offices | 5 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
PromiseOne Bank has the higher TellerScore (68 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 3 and PromiseOne Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.