Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Farmers & Merchants Bank of Colby
Metric by metric
| Measure | Farmers Bank & Trust | Farmers & Merchants Bank of Colby |
|---|---|---|
| TellerScore | 73 | 73 |
| Capital cushion | 56 | 62 (stronger) |
| Loan quality | 75 | 80 (stronger) |
| Earnings | 77 | 88 (stronger) |
| Funding & liquidity | 86 (stronger) | 52 |
| Problem-loan coverage | 90 | 92 (stronger) |
| Peer percentile | 53rd | 53rd |
| Total assets | $159.0M | $650.8M |
| Deposits / shares | $144.8M | $511.3M |
| Capital ratio | 10.58% | 11.23% (stronger) |
| Problem loans | 0.75% | 0.61% (stronger) |
| Net charge-offs | 2.87% | -0.04% (stronger) |
| Return on assets | 1.43% | 1.69% (stronger) |
| Loans ÷ deposits | 63.7% (stronger) | 93.0% |
| Uninsured deposits | 24.8% (stronger) | 28.8% |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 2 and Farmers & Merchants Bank of Colby on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.