Side-by-side · Q2 2026 data
Farmers and Merchants Bank of St. Clair vs Heritage Community Bank
Metric by metric
| Measure | Farmers and Merchants Bank of St. Clair | Heritage Community Bank |
|---|---|---|
| TellerScore | 84 (stronger) | 59 |
| Capital cushion | 78 (stronger) | 33 |
| Loan quality | 100 (stronger) | 80 |
| Earnings | 68 | 77 (stronger) |
| Funding & liquidity | 83 (stronger) | 52 |
| Problem-loan coverage | 100 (stronger) | 63 |
| Peer percentile | 86th | 17th |
| Total assets | $343.5M | $347.8M |
| Deposits / shares | $301.1M | $296.6M |
| Capital ratio | 12.76% (stronger) | 8.30% |
| Problem loans | 0.00% (stronger) | 0.59% |
| Net charge-offs | 0.16% (stronger) | 0.17% |
| Return on assets | 1.19% | 1.42% (stronger) |
| Loans ÷ deposits | 77.0% (stronger) | 103.4% |
| Uninsured deposits | 12.6% (stronger) | 19.5% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.8% | 1.3% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Bank of St. Clair leads on 6 and Heritage Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.