Side-by-side · Q2 2026 data
Farmers & Merchants Bank vs The Home Loan Savings Bank
Metric by metric
| Measure | Farmers & Merchants Bank | The Home Loan Savings Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 72 (stronger) | 67 |
| Loan quality | 65 | 81 (stronger) |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 47 |
| Problem-loan coverage | 87 | 92 (stronger) |
| Peer percentile | 57th | 68th |
| Total assets | $359.4M | $386.7M |
| Deposits / shares | $307.3M | $320.6M |
| Capital ratio | 12.16% (stronger) | 11.68% |
| Problem loans | 1.04% | 0.58% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.09% |
| Return on assets | 1.85% | 2.45% (stronger) |
| Loans ÷ deposits | 92.9% (stronger) | 108.7% |
| Uninsured deposits | 23.4% | 19.3% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.7% |
The Home Loan Savings 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 3 and The Home Loan Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.