Side-by-side · Q2 2026 data
Farmers and Merchants State Bank vs CorTrust Bank National Association
Metric by metric
| Measure | Farmers and Merchants State Bank | CorTrust Bank National Association |
|---|---|---|
| TellerScore | 73 (stronger) | 62 |
| Capital cushion | 60 (stronger) | 49 |
| Loan quality | 75 | 77 (stronger) |
| Earnings | 100 (stronger) | 35 |
| Funding & liquidity | 47 | 81 (stronger) |
| Problem-loan coverage | 89 | 91 (stronger) |
| Peer percentile | 53rd | 27th |
| Total assets | $180.4M | $1.6B |
| Deposits / shares | $137.3M | $1.4B |
| Capital ratio | 11.02% (stronger) | 9.92% |
| Problem loans | 0.76% | 0.70% (stronger) |
| Net charge-offs | 0.08% (stronger) | 0.72% |
| Return on assets | 2.46% (stronger) | 0.38% |
| Loans ÷ deposits | 106.5% | 72.9% (stronger) |
| Uninsured deposits | 21.4% | 20.8% (stronger) |
| Offices | 2 | 36 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.4% |
Farmers and Merchants State Bank has the higher TellerScore (73 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants State Bank leads on 4 and CorTrust Bank National Association on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.