Side-by-side · Q2 2026 data
First Community Bank vs Farmers and Merchants Union Bank
Metric by metric
| Measure | First Community Bank | Farmers and Merchants Union Bank |
|---|---|---|
| TellerScore | 77 | 78 (stronger) |
| Capital cushion | 54 (stronger) | 50 |
| Loan quality | 89 | 95 (stronger) |
| Earnings | 92 (stronger) | 91 |
| Funding & liquidity | 73 | 76 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 68th | 72nd |
| Total assets | $158.9M | $872.1M |
| Deposits / shares | $141.8M | $751.9M |
| Capital ratio | 10.38% (stronger) | 9.97% |
| Problem loans | 0.34% | 0.15% (stronger) |
| Net charge-offs | -0.00% | -0.05% (stronger) |
| Return on assets | 1.81% (stronger) | 1.76% |
| Loans ÷ deposits | 86.5% | 84.5% (stronger) |
| Uninsured deposits | 15.5% | 14.6% (stronger) |
| Offices | 1 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 9.1% |
Farmers and Merchants Union Bank has the higher TellerScore (78 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Community Bank leads on 2 and Farmers and Merchants Union Bank on 5. 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.