Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs Southern Pine Credit Union
Metric by metric
| Measure | Farmers and Merchants Bank | Southern Pine Credit Union |
|---|---|---|
| TellerScore | 58 | 82 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 38 | 74 (stronger) |
| Earnings | 85 (stronger) | 58 |
| Funding & liquidity | 71 | 83 (stronger) |
| Problem-loan coverage | 67 | 96 (stronger) |
| Peer percentile | 16th | 70th |
| Total assets | $862.0M | $27.6M |
| Deposits / shares | $784.7M | $20.9M |
| Capital ratio | 9.74% | 23.71% (stronger) |
| Problem loans | 1.86% | 0.79% (stronger) |
| Net charge-offs | 0.22% | 0.00% (stronger) |
| Return on assets | 1.63% (stronger) | 0.95% |
| Loans ÷ deposits | 78.1% | 77.0% (stronger) |
| Uninsured deposits | 25.5% | 0.1% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Southern Pine Credit Union has the higher TellerScore (82 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 1 and Southern Pine Credit Union on 6. 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.