Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs CTBC Bank Corp. (USA)
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | CTBC Bank Corp. (USA) |
|---|---|---|
| TellerScore | 79 (stronger) | 64 |
| Capital cushion | 67 | 97 (stronger) |
| Loan quality | 96 (stronger) | 48 |
| Earnings | 89 (stronger) | 55 |
| Funding & liquidity | 49 (stronger) | 23 |
| Problem-loan coverage | 98 (stronger) | 83 |
| Peer percentile | 88th | 33rd |
| Total assets | $5.8B | $5.9B |
| Deposits / shares | $5.1B | $5.0B |
| Capital ratio | 11.65% | 14.67% (stronger) |
| Problem loans | 0.13% (stronger) | 1.55% |
| Net charge-offs | 0.01% (stronger) | 0.06% |
| Return on assets | 1.74% (stronger) | 0.87% |
| Loans ÷ deposits | 71.2% (stronger) | 87.1% |
| Uninsured deposits | 51.4% (stronger) | 66.5% |
| Offices | 29 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | 12.8% |
Farmers & Merchants Bank of Central California has the higher TellerScore (79 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 6 and CTBC Bank Corp. (USA) on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.