Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Citizens Bank Company
Metric by metric
| Measure | Farmers & Merchants Bank | The Citizens Bank Company |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 72 | 86 (stronger) |
| Loan quality | 65 | 87 (stronger) |
| Earnings | 94 (stronger) | 78 |
| Funding & liquidity | 58 | 86 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $359.4M | $334.6M |
| Deposits / shares | $307.3M | $291.0M |
| Capital ratio | 12.16% | 13.56% (stronger) |
| Problem loans | 1.04% | 0.39% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.85% (stronger) | 1.46% |
| Loans ÷ deposits | 92.9% | 63.8% (stronger) |
| Uninsured deposits | 23.4% (stronger) | 24.5% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank Company has the higher TellerScore (86 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 3 and The Citizens Bank Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.