Side-by-side · Q2 2026 data
Farmers and Merchants Bank of South Carolina vs United 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 | United Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 74 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 75 | 85 (stronger) |
| Earnings | 92 (stronger) | 82 |
| Funding & liquidity | 76 (stronger) | 44 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 92nd | 87th |
| Total assets | $413.6M | $33.6B |
| Deposits / shares | $350.8M | $27.3B |
| Capital ratio | 16.56% (stronger) | 11.60% |
| Problem loans | 0.74% | 0.44% (stronger) |
| Net charge-offs | 0.11% | 0.09% (stronger) |
| Return on assets | 1.80% (stronger) | 1.56% |
| Loans ÷ deposits | 34.7% (stronger) | 90.5% |
| Uninsured deposits | 37.1% (stronger) | 38.3% |
| Offices | 8 | 232 |
| CFPB complaints (3 yrs) | — | 97 |
| Complaints per $1B deposits | — | 3.5 |
| Mortgage denial rate (HMDA) | — | 20.3% |
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 5 and United Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.