Side-by-side · Q2 2026 data
Farmers & Merchants State Bank vs Capitol Bank
Metric by metric
| Measure | Farmers & Merchants State Bank | Capitol Bank |
|---|---|---|
| TellerScore | 72 | 79 (stronger) |
| Capital cushion | 61 | 74 (stronger) |
| Loan quality | 100 (stronger) | 99 |
| Earnings | 57 | 65 (stronger) |
| Funding & liquidity | 50 | 57 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 50th | 75th |
| Total assets | $245.6M | $565.3M |
| Deposits / shares | $183.0M | $473.0M |
| Capital ratio | 11.13% | 12.42% (stronger) |
| Problem loans | 0.00% (stronger) | 0.02% |
| Net charge-offs | -0.01% (stronger) | -0.00% |
| Return on assets | 0.92% | 1.12% (stronger) |
| Loans ÷ deposits | 115.7% | 89.8% (stronger) |
| Uninsured deposits | 15.1% (stronger) | 27.1% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | 1.3% |
Capitol Bank has the higher TellerScore (79 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank leads on 3 and Capitol Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.