Side-by-side · Q2 2026 data
Farmers and Merchants Union Bank vs The Farmers & Merchants Bank
Metric by metric
| Measure | Farmers and Merchants Union Bank | The Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 78 (stronger) | 54 |
| Capital cushion | 50 | 50 |
| Loan quality | 95 (stronger) | 35 |
| Earnings | 91 (stronger) | 69 |
| Funding & liquidity | 76 (stronger) | 67 |
| Problem-loan coverage | 96 (stronger) | 63 |
| Peer percentile | 72nd | 10th |
| Total assets | $872.1M | $949.4M |
| Deposits / shares | $751.9M | $784.7M |
| Capital ratio | 9.97% | 10.02% (stronger) |
| Problem loans | 0.15% (stronger) | 1.96% |
| Net charge-offs | -0.05% (stronger) | 0.29% |
| Return on assets | 1.76% (stronger) | 1.23% |
| Loans ÷ deposits | 84.5% (stronger) | 93.1% |
| Uninsured deposits | 14.6% | 7.4% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.1% | — |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Merchants Union Bank leads on 5 and The Farmers & Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.