Side-by-side · Q2 2026 data
Farmers and Merchants Bank of Ashland vs Legends West Bank
Metric by metric
| Measure | Farmers and Merchants Bank of Ashland | Legends West Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 69 |
| Capital cushion | 50 | 65 (stronger) |
| Loan quality | 86 | 88 (stronger) |
| Earnings | 73 (stronger) | 44 |
| Funding & liquidity | 71 (stronger) | 67 |
| Problem-loan coverage | 94 (stronger) | 85 |
| Peer percentile | 47th | 40th |
| Total assets | $152.2M | $157.8M |
| Deposits / shares | $128.0M | $136.7M |
| Capital ratio | 10.00% | 11.47% (stronger) |
| Problem loans | 0.42% | 0.35% (stronger) |
| Net charge-offs | 0.00% (stronger) | 1.49% |
| Return on assets | 1.33% (stronger) | 0.60% |
| Loans ÷ deposits | 89.4% (stronger) | 93.5% |
| Uninsured deposits | 13.0% | 7.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.3% | — |
Farmers and Merchants Bank of Ashland has the higher TellerScore (71 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of Ashland leads on 4 and Legends West Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.