Side-by-side · Q2 2026 data
Farmers and Merchants Bank of South Carolina vs The Citizens 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 | The Citizens Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 75 | 94 (stronger) |
| Earnings | 92 (stronger) | 70 |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 97 | 97 |
| Peer percentile | 92nd | 74th |
| Total assets | $413.6M | $1.1B |
| Deposits / shares | $350.8M | $1.0B |
| Capital ratio | 16.56% (stronger) | 9.91% |
| Problem loans | 0.74% | 0.18% (stronger) |
| Net charge-offs | 0.11% | 0.05% (stronger) |
| Return on assets | 1.80% (stronger) | 1.24% |
| Loans ÷ deposits | 34.7% (stronger) | 62.5% |
| Uninsured deposits | 37.1% | 28.2% (stronger) |
| Offices | 8 | 26 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 2.1% |
Farmers and Merchants Bank of South Carolina has the higher TellerScore (88 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of South Carolina leads on 4 and The Citizens Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.