Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Community Bank and Trust - West Georgia
Metric by metric
| Measure | Farmers & Merchants Bank | Community Bank and Trust - West Georgia |
|---|---|---|
| TellerScore | 66 (stronger) | 15 |
| Capital cushion | 62 (stronger) | 0 |
| Loan quality | 75 (stronger) | 0 |
| Earnings | 42 (stronger) | 0 |
| Funding & liquidity | 72 | 97 (stronger) |
| Problem-loan coverage | 93 (stronger) | 0 |
| Peer percentile | 31st | 0th |
| Total assets | $289.6M | $292.6M |
| Deposits / shares | $258.6M | $286.6M |
| Capital ratio | 11.20% (stronger) | 0.16% |
| Problem loans | 0.74% (stronger) | 17.28% |
| Net charge-offs | -0.12% (stronger) | 6.28% |
| Return on assets | 0.55% (stronger) | -6.88% |
| Loans ÷ deposits | 54.3% (stronger) | 63.7% |
| Uninsured deposits | 40.2% | 3.6% (stronger) |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank has the higher TellerScore (66 vs 15). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 6 and Community Bank and Trust - West Georgia on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.