Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs United Bank
Metric by metric
| Measure | Farmers & Merchants Bank | United Bank |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 41 | 66 (stronger) |
| Loan quality | 86 (stronger) | 85 |
| Earnings | 70 | 82 (stronger) |
| Funding & liquidity | 88 (stronger) | 44 |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 58th | 87th |
| Total assets | $1.4B | $33.6B |
| Deposits / shares | $1.3B | $27.3B |
| Capital ratio | 9.10% | 11.60% (stronger) |
| Problem loans | 0.43% (stronger) | 0.44% |
| Net charge-offs | 0.07% (stronger) | 0.09% |
| Return on assets | 1.24% | 1.56% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 90.5% |
| Uninsured deposits | 14.1% (stronger) | 38.3% |
| Offices | 16 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | 3.6% | 20.3% |
United Bank has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 4 and United Bank on 3. 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.
Where both have branches
- Winchester, VA
- Harrisonburg, VA
- Elkton, VA
- Bridgewater, VA
- Waynesboro, VA
- Broadway, VA
- Woodstock, VA