Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs Bank of Stockton
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | Bank of Stockton |
|---|---|---|
| TellerScore | 79 | 94 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 96 | 97 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 49 | 64 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 88th | 100th |
| Total assets | $5.8B | $5.0B |
| Deposits / shares | $5.1B | $3.8B |
| Capital ratio | 11.65% | 19.95% (stronger) |
| Problem loans | 0.13% | 0.08% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.05% |
| Return on assets | 1.74% | 6.08% (stronger) |
| Loans ÷ deposits | 71.2% | 63.2% (stronger) |
| Uninsured deposits | 51.4% | 45.2% (stronger) |
| Offices | 29 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 31.2% |
Bank of Stockton has the higher TellerScore (94 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 1 and Bank of Stockton on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.