Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Hocking Valley Bank
Metric by metric
| Measure | Farmers & Merchants Bank | The Hocking Valley Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 72 (stronger) | 64 |
| Loan quality | 65 | 82 (stronger) |
| Earnings | 94 (stronger) | 75 |
| Funding & liquidity | 58 | 85 (stronger) |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 57th | 68th |
| Total assets | $359.4M | $354.0M |
| Deposits / shares | $307.3M | $312.0M |
| Capital ratio | 12.16% (stronger) | 11.44% |
| Problem loans | 1.04% | 0.54% (stronger) |
| Net charge-offs | 0.01% | 0.00% (stronger) |
| Return on assets | 1.85% (stronger) | 1.37% |
| Loans ÷ deposits | 92.9% | 65.6% (stronger) |
| Uninsured deposits | 23.4% | 23.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Hocking Valley Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank leads on 2 and The Hocking Valley Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.