Side-by-side · Q2 2026 data
Farmers and Merchants Bank vs The Trust Bank
Metric by metric
| Measure | Farmers and Merchants Bank | The Trust Bank |
|---|---|---|
| TellerScore | 58 | 86 (stronger) |
| Capital cushion | 47 | 100 (stronger) |
| Loan quality | 38 | 55 (stronger) |
| Earnings | 85 | 97 (stronger) |
| Funding & liquidity | 71 | 90 (stronger) |
| Problem-loan coverage | 67 | 91 (stronger) |
| Peer percentile | 16th | 81st |
| Total assets | $862.0M | $47.0M |
| Deposits / shares | $784.7M | $39.3M |
| Capital ratio | 9.74% | 16.15% (stronger) |
| Problem loans | 1.86% | 1.36% (stronger) |
| Net charge-offs | 0.22% | -0.04% (stronger) |
| Return on assets | 1.63% | 1.94% (stronger) |
| Loans ÷ deposits | 78.1% | 65.8% (stronger) |
| Uninsured deposits | 25.5% | 18.4% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
The Trust Bank has the higher TellerScore (86 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank leads on 0 and The Trust Bank on 7. 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.