Side-by-side · Q2 2026 data
Farmers and Merchants Bank of South Carolina vs Southern Bank
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 | Southern Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 59 |
| Capital cushion | 100 (stronger) | 32 |
| Loan quality | 75 | 91 (stronger) |
| Earnings | 92 (stronger) | 24 |
| Funding & liquidity | 76 | 84 (stronger) |
| Problem-loan coverage | 97 (stronger) | 92 |
| Peer percentile | 92nd | 17th |
| Total assets | $413.6M | $407.9M |
| Deposits / shares | $350.8M | $358.4M |
| Capital ratio | 16.56% (stronger) | 8.18% |
| Problem loans | 0.74% | 0.28% (stronger) |
| Net charge-offs | 0.11% | -0.03% (stronger) |
| Return on assets | 1.80% (stronger) | 0.10% |
| Loans ÷ deposits | 34.7% (stronger) | 73.2% |
| Uninsured deposits | 37.1% | 17.8% (stronger) |
| Offices | 8 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 25.0% |
Farmers and Merchants Bank of South Carolina has the higher TellerScore (88 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of South Carolina leads on 4 and Southern Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.