Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs Cedar Valley Bank & Trust
Metric by metric
| Measure | Farmers and Merchants Savings Bank | Cedar Valley Bank & Trust |
|---|---|---|
| TellerScore | 83 (stronger) | 54 |
| Capital cushion | 86 (stronger) | 40 |
| Loan quality | 100 (stronger) | 58 |
| Earnings | 60 | 76 (stronger) |
| Funding & liquidity | 69 (stronger) | 34 |
| Problem-loan coverage | 100 (stronger) | 68 |
| Peer percentile | 84th | 10th |
| Total assets | $122.5M | $126.3M |
| Deposits / shares | $102.7M | $114.5M |
| Capital ratio | 13.62% (stronger) | 9.01% |
| Problem loans | 0.00% (stronger) | 1.27% |
| Net charge-offs | 0.00% (stronger) | 0.07% |
| Return on assets | 1.00% | 1.40% (stronger) |
| Loans ÷ deposits | 76.4% (stronger) | 98.0% |
| Uninsured deposits | 28.1% (stronger) | 40.4% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 6 and Cedar Valley Bank & Trust on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.