Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs City National Bank of West Virginia
Metric by metric
| Measure | Farmers & Merchants Bank | City National Bank of West Virginia |
|---|---|---|
| TellerScore | 70 | 78 (stronger) |
| Capital cushion | 41 | 46 (stronger) |
| Loan quality | 86 | 93 (stronger) |
| Earnings | 70 | 98 (stronger) |
| Funding & liquidity | 88 (stronger) | 76 |
| Problem-loan coverage | 94 | 97 (stronger) |
| Peer percentile | 58th | 86th |
| Total assets | $1.4B | $6.8B |
| Deposits / shares | $1.3B | $5.4B |
| Capital ratio | 9.10% | 9.65% (stronger) |
| Problem loans | 0.43% | 0.22% (stronger) |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 1.24% | 1.96% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 82.7% |
| Uninsured deposits | 14.1% (stronger) | 16.7% |
| Offices | 16 | 95 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 27.3% |
City National Bank of West Virginia has the higher TellerScore (78 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and City National Bank of West Virginia on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Staunton, VA
- Winchester, VA
- Stuarts Draft, VA
- Waynesboro, VA
- Woodstock, VA