Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs First Federal Savings and Loan Association of Valdosta
Bank
First Federal Savings and Loan Association of Valdosta
Valdosta, Georgia · $100 million – $1 billion
Metric by metric
| Measure | Farmers & Merchants Bank | First Federal Savings and Loan Association of Valdosta |
|---|---|---|
| TellerScore | 66 (stronger) | 57 |
| Capital cushion | 62 | 73 (stronger) |
| Loan quality | 75 (stronger) | 40 |
| Earnings | 42 | 53 (stronger) |
| Funding & liquidity | 72 (stronger) | 47 |
| Problem-loan coverage | 93 (stronger) | 75 |
| Peer percentile | 31st | 14th |
| Total assets | $289.6M | $278.5M |
| Deposits / shares | $258.6M | $208.5M |
| Capital ratio | 11.20% | 12.26% (stronger) |
| Problem loans | 0.74% (stronger) | 1.79% |
| Net charge-offs | -0.12% (stronger) | 0.02% |
| Return on assets | 0.55% | 0.83% (stronger) |
| Loans ÷ deposits | 54.3% (stronger) | 116.7% |
| Uninsured deposits | 40.2% | 17.9% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Farmers & Merchants Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 4 and First Federal Savings and Loan Association of Valdosta on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.