Side-by-side · Q2 2026 data
Farmers and Merchants Savings Bank vs United Bank & Trust Co.
Metric by metric
| Measure | Farmers and Merchants Savings Bank | United Bank & Trust Co. |
|---|---|---|
| TellerScore | 83 (stronger) | 63 |
| Capital cushion | 86 (stronger) | 55 |
| Loan quality | 100 (stronger) | 48 |
| Earnings | 60 | 70 (stronger) |
| Funding & liquidity | 69 | 83 (stronger) |
| Problem-loan coverage | 100 (stronger) | 83 |
| Peer percentile | 84th | 24th |
| Total assets | $122.5M | $120.1M |
| Deposits / shares | $102.7M | $106.7M |
| Capital ratio | 13.62% (stronger) | 10.46% |
| Problem loans | 0.00% (stronger) | 1.57% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.00% | 1.24% (stronger) |
| Loans ÷ deposits | 76.4% | 63.7% (stronger) |
| Uninsured deposits | 28.1% | 27.3% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 63). On the 6 directional measures above (where higher or lower is clearly better), Farmers and Merchants Savings Bank leads on 3 and United Bank & Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.