Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Harrison Building and Loan Association
Metric by metric
| Measure | Farmers & Merchants Bank | The Harrison Building and Loan Association |
|---|---|---|
| TellerScore | 74 | 86 (stronger) |
| Capital cushion | 72 | 100 (stronger) |
| Loan quality | 65 | 87 (stronger) |
| Earnings | 94 (stronger) | 63 |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 87 | 97 (stronger) |
| Peer percentile | 57th | 90th |
| Total assets | $359.4M | $268.0M |
| Deposits / shares | $307.3M | $201.4M |
| Capital ratio | 12.16% | 17.62% (stronger) |
| Problem loans | 1.04% | 0.39% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.06% |
| Loans ÷ deposits | 92.9% | 80.2% (stronger) |
| Uninsured deposits | 23.4% | 9.6% (stronger) |
| Offices | 5 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
The Harrison Building and Loan Association 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 1 and The Harrison Building and Loan Association on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.