Side-by-side · Q2 2026 data
First National Bank vs The Farmers & Merchants Bank
Metric by metric
| Measure | First National Bank | The Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 67 |
| Capital cushion | 61 (stronger) | 48 |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 68 (stronger) | 63 |
| Funding & liquidity | 37 | 61 (stronger) |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 63rd | 44th |
| Total assets | $2.6B | $2.0B |
| Deposits / shares | $2.1B | $1.7B |
| Capital ratio | 11.12% (stronger) | 9.79% |
| Problem loans | 0.19% (stronger) | 0.39% |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.20% (stronger) | 1.07% |
| Loans ÷ deposits | 97.8% | 82.2% (stronger) |
| Uninsured deposits | 37.9% | 30.6% (stronger) |
| Offices | 23 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.9% | 14.9% |
First National Bank has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First National 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.