Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs Capitol Bank
Metric by metric
| Measure | Farmers and Merchants Union Bank | Capitol Bank |
|---|---|---|
| TellerScore | 78 | 79 (stronger) |
| Capital cushion | 50 | 74 (stronger) |
| Loan quality | 95 | 99 (stronger) |
| Earnings | 91 (stronger) | 65 |
| Funding & liquidity | 76 (stronger) | 57 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 72nd | 75th |
| Total assets | $872.1M | $565.3M |
| Deposits / shares | $751.9M | $473.0M |
| Capital ratio | 9.97% | 12.42% (stronger) |
| Problem loans | 0.15% | 0.02% (stronger) |
| Net charge-offs | -0.05% (stronger) | -0.00% |
| Return on assets | 1.76% (stronger) | 1.12% |
| Loans ÷ deposits | 84.5% (stronger) | 89.8% |
| Uninsured deposits | 14.6% (stronger) | 27.1% |
| Offices | 13 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | 1.3% |
Capitol Bank has the higher TellerScore (79 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 4 and Capitol Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.