Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Virginia National Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Virginia National Bank |
|---|---|---|
| TellerScore | 70 | 83 (stronger) |
| Capital cushion | 41 | 82 (stronger) |
| Loan quality | 86 (stronger) | 84 |
| Earnings | 70 | 94 (stronger) |
| Funding & liquidity | 88 (stronger) | 64 |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 58th | 94th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.3B | $1.4B |
| Capital ratio | 9.10% | 13.21% (stronger) |
| Problem loans | 0.43% (stronger) | 0.47% |
| Net charge-offs | 0.07% | 0.00% (stronger) |
| Return on assets | 1.24% | 1.86% (stronger) |
| Loans ÷ deposits | 72.6% (stronger) | 86.9% |
| Uninsured deposits | 14.1% (stronger) | 23.7% |
| Offices | 16 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 18.2% |
Virginia National Bank has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Virginia National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.