Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Central California vs El Dorado Savings Bank, F.S.B.
Metric by metric
| Measure | Farmers & Merchants Bank of Central California | El Dorado Savings Bank, F.S.B. |
|---|---|---|
| TellerScore | 79 | 84 (stronger) |
| Capital cushion | 67 | 84 (stronger) |
| Loan quality | 96 (stronger) | 91 |
| Earnings | 89 (stronger) | 57 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 88th | 95th |
| Total assets | $5.8B | $2.4B |
| Deposits / shares | $5.1B | $2.1B |
| Capital ratio | 11.65% | 13.43% (stronger) |
| Problem loans | 0.13% (stronger) | 0.28% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.74% (stronger) | 0.93% |
| Loans ÷ deposits | 71.2% | 23.3% (stronger) |
| Uninsured deposits | 51.4% | 10.7% (stronger) |
| Offices | 29 | 35 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 34.6% | — |
El Dorado Savings Bank, F.S.B. has the higher TellerScore (84 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Central California leads on 3 and El Dorado Savings Bank, F.S.B. on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.