Side-by-side · Q2 2026 data
Farmers & Merchants Bank of Craig County vs Highlands Community Bank
Bank
Farmers & Merchants Bank of Craig County
New Castle, Virginia · Under $100 million in assets
Metric by metric
| Measure | Farmers & Merchants Bank of Craig County | Highlands Community Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 57 |
| Capital cushion | 100 (stronger) | 76 |
| Loan quality | 100 (stronger) | 16 |
| Earnings | 73 (stronger) | 36 |
| Funding & liquidity | 81 | 97 (stronger) |
| Problem-loan coverage | 100 (stronger) | 81 |
| Peer percentile | 92nd | 14th |
| Total assets | $93.0M | $188.9M |
| Deposits / shares | $76.8M | $167.3M |
| Capital ratio | 16.87% (stronger) | 12.63% |
| Problem loans | 0.00% (stronger) | 2.51% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.31% (stronger) | 0.39% |
| Loans ÷ deposits | 78.8% | 48.6% (stronger) |
| Uninsured deposits | 10.2% (stronger) | 18.1% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.6% | — |
Farmers & Merchants Bank of Craig County has the higher TellerScore (92 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Bank of Craig County leads on 6 and Highlands Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.