Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Freedom Bank of Virginia
Metric by metric
| Measure | Farmers & Merchants Bank | The Freedom Bank of Virginia |
|---|---|---|
| TellerScore | 70 (stronger) | 40 |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 70 (stronger) | 38 |
| Funding & liquidity | 88 (stronger) | 61 |
| Problem-loan coverage | 94 (stronger) | 54 |
| Peer percentile | 58th | 2nd |
| Total assets | $1.4B | $1.0B |
| Deposits / shares | $1.3B | $875.0M |
| Capital ratio | 9.10% | 11.06% (stronger) |
| Problem loans | 0.43% (stronger) | 3.26% |
| Net charge-offs | 0.07% (stronger) | 1.65% |
| Return on assets | 1.24% (stronger) | 0.45% |
| Loans ÷ deposits | 72.6% (stronger) | 87.9% |
| Uninsured deposits | 14.1% (stronger) | 24.9% |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 9.1% |
Farmers & Merchants Bank has the higher TellerScore (70 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and The Freedom Bank of Virginia on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.