Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Trustar Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Trustar Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 58 |
| Capital cushion | 41 | 44 (stronger) |
| Loan quality | 86 | 87 (stronger) |
| Earnings | 70 (stronger) | 46 |
| Funding & liquidity | 88 (stronger) | 31 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 58th | 17th |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.3B | $970.4M |
| Capital ratio | 9.10% | 9.38% (stronger) |
| Problem loans | 0.43% | 0.39% (stronger) |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.24% (stronger) | 0.65% |
| Loans ÷ deposits | 72.6% (stronger) | 96.9% |
| Uninsured deposits | 14.1% (stronger) | 44.1% |
| Offices | 16 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 0.0% |
Farmers & Merchants Bank has the higher TellerScore (70 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 4 and Trustar Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.