Side-by-side · Q2 2026 data
Farmers and Merchants Bank of St. Clair vs Commerce Bank
Metric by metric
| Measure | Farmers and Merchants Bank of St. Clair | Commerce Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 76 |
| Capital cushion | 78 (stronger) | 64 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 68 | 70 (stronger) |
| Funding & liquidity | 83 (stronger) | 61 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 86th | 91st |
| Total assets | $343.5M | $35.0B |
| Deposits / shares | $301.1M | $28.1B |
| Capital ratio | 12.76% (stronger) | 11.43% |
| Problem loans | 0.00% (stronger) | 0.17% |
| Net charge-offs | 0.16% (stronger) | 0.25% |
| Return on assets | 1.19% | 1.25% (stronger) |
| Loans ÷ deposits | 77.0% | 73.5% (stronger) |
| Uninsured deposits | 12.6% (stronger) | 38.6% |
| Offices | 4 | 146 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 33.2% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of St. Clair leads on 5 and Commerce 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.