Side-by-side · Q2 2026 data
Farmers & Merchants Savings Bank vs Liberty National Bank
Metric by metric
| Measure | Farmers & Merchants Savings Bank | Liberty National Bank |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 74 (stronger) | 53 |
| Loan quality | 43 | 100 (stronger) |
| Earnings | 66 | 70 (stronger) |
| Funding & liquidity | 46 (stronger) | 39 |
| Problem-loan coverage | 82 | 100 (stronger) |
| Peer percentile | 20th | 47th |
| Total assets | $616.8M | $624.4M |
| Deposits / shares | $516.0M | $457.3M |
| Capital ratio | 12.41% (stronger) | 10.31% |
| Problem loans | 1.70% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.14% | 1.26% (stronger) |
| Loans ÷ deposits | 87.5% (stronger) | 101.5% |
| Uninsured deposits | 39.1% | 32.7% (stronger) |
| Offices | 7 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 5.4% |
Liberty National Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants Savings Bank leads on 3 and Liberty National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.