Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Community Banking Company
Metric by metric
| Measure | Farmers & Merchants Bank | Community Banking Company |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 42 | 86 (stronger) |
| Funding & liquidity | 72 | 80 (stronger) |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 31st | 68th |
| Total assets | $289.6M | $297.3M |
| Deposits / shares | $258.6M | $259.9M |
| Capital ratio | 11.20% | 11.26% (stronger) |
| Problem loans | 0.74% | 0.64% (stronger) |
| Net charge-offs | -0.12% (stronger) | 0.06% |
| Return on assets | 0.55% | 1.66% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 65.8% |
| Uninsured deposits | 40.2% | 28.2% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Community Banking Company has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and Community Banking Company on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.