Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs Craft Bank
Metric by metric
| Measure | Farmers & Merchants Bank | Craft Bank |
|---|---|---|
| TellerScore | 66 | 68 (stronger) |
| Capital cushion | 62 | 88 (stronger) |
| Loan quality | 75 (stronger) | 46 |
| Earnings | 42 | 75 (stronger) |
| Funding & liquidity | 72 (stronger) | 45 |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 31st | 37th |
| Total assets | $289.6M | $305.9M |
| Deposits / shares | $258.6M | $260.3M |
| Capital ratio | 11.20% | 13.81% (stronger) |
| Problem loans | 0.74% (stronger) | 1.61% |
| Net charge-offs | -0.12% (stronger) | 0.03% |
| Return on assets | 0.55% | 1.37% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 99.4% |
| Uninsured deposits | 40.2% | 29.5% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Craft Bank has the higher TellerScore (68 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and Craft Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.