Side-by-side · Q2 2026 data
First Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | First Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 74 | 77 (stronger) |
| Capital cushion | 80 | 92 (stronger) |
| Loan quality | 63 (stronger) | 44 |
| Earnings | 83 | 91 (stronger) |
| Funding & liquidity | 58 | 78 (stronger) |
| Problem-loan coverage | 86 (stronger) | 85 |
| Peer percentile | 57th | 68th |
| Total assets | $562.9M | $565.8M |
| Deposits / shares | $484.6M | $481.2M |
| Capital ratio | 12.96% | 14.19% (stronger) |
| Problem loans | 1.11% (stronger) | 1.69% |
| Net charge-offs | -0.00% (stronger) | 0.17% |
| Return on assets | 1.58% | 1.78% (stronger) |
| Loans ÷ deposits | 78.8% | 71.8% (stronger) |
| Uninsured deposits | 35.7% | 24.6% (stronger) |
| Offices | 14 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.4% | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Bank leads on 2 and Farmers and Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.