Side-by-side · Q2 2026 data
Farmers & Merchants State Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | Farmers & Merchants State Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 61 (stronger) | 50 |
| Loan quality | 100 (stronger) | 95 |
| Earnings | 57 | 91 (stronger) |
| Funding & liquidity | 50 | 76 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 50th | 72nd |
| Total assets | $245.6M | $872.1M |
| Deposits / shares | $183.0M | $751.9M |
| Capital ratio | 11.13% (stronger) | 9.97% |
| Problem loans | 0.00% (stronger) | 0.15% |
| Net charge-offs | -0.01% | -0.05% (stronger) |
| Return on assets | 0.92% | 1.76% (stronger) |
| Loans ÷ deposits | 115.7% | 84.5% (stronger) |
| Uninsured deposits | 15.1% | 14.6% (stronger) |
| Offices | 3 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.1% | 9.1% |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers & Merchants State Bank leads on 2 and Farmers and Merchants Union Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.