Side-by-side · Q2 2026 data
Farmers and Merchants Bank of South Carolina vs Safe Federal Credit Union
Bank
Farmers and Merchants Bank of South Carolina
Holly Hill, South Carolina · $100 million – $1 billion
Metric by metric
| Measure | Farmers and Merchants Bank of South Carolina | Safe Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 60 |
| Loan quality | 75 | 79 (stronger) |
| Earnings | 92 (stronger) | 71 |
| Funding & liquidity | 76 | 81 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 92nd | 70th |
| Total assets | $413.6M | $2.0B |
| Deposits / shares | $350.8M | $1.7B |
| Capital ratio | 16.56% (stronger) | 10.97% |
| Problem loans | 0.74% | 0.63% (stronger) |
| Net charge-offs | 0.11% (stronger) | 1.24% |
| Return on assets | 1.80% (stronger) | 1.27% |
| Loans ÷ deposits | 34.7% (stronger) | 79.1% |
| Uninsured deposits | 37.1% | 8.7% (stronger) |
| Offices | 8 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.3% |
Farmers and Merchants Bank of South Carolina has the higher TellerScore (88 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of South Carolina leads on 5 and Safe Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.