Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Benchmark Community Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Benchmark Community Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 41 | 48 (stronger) |
| Loan quality | 86 | 94 (stronger) |
| Earnings | 70 | 85 (stronger) |
| Funding & liquidity | 88 (stronger) | 71 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 58th | 77th |
| Total assets | $1.4B | $1.4B |
| Deposits / shares | $1.3B | $1.3B |
| Capital ratio | 9.10% | 9.80% (stronger) |
| Problem loans | 0.43% | 0.17% (stronger) |
| Net charge-offs | 0.07% | 0.02% (stronger) |
| Return on assets | 1.24% | 1.63% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 88.9% |
| Uninsured deposits | 14.1% | 7.8% (stronger) |
| Offices | 16 | 18 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 9.1% |
Benchmark Community Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 1 and Benchmark Community Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.