Side-by-side · Q2 2026 data
First National Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | First National Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 73 (stronger) | 70 |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 94 (stronger) | 86 |
| Earnings | 90 (stronger) | 70 |
| Funding & liquidity | 70 | 88 (stronger) |
| Problem-loan coverage | 97 (stronger) | 94 |
| Peer percentile | 70th | 58th |
| Total assets | $1.1B | $1.4B |
| Deposits / shares | $1.0B | $1.3B |
| Capital ratio | 8.84% | 9.10% (stronger) |
| Problem loans | 0.19% (stronger) | 0.43% |
| Net charge-offs | 0.07% (stronger) | 0.07% |
| Return on assets | 1.76% (stronger) | 1.24% |
| Loans ÷ deposits | 71.3% (stronger) | 72.6% |
| Uninsured deposits | 32.3% | 14.1% (stronger) |
| Offices | 19 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.6% | 3.6% |
First National Bank has the higher TellerScore (73 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First National Bank leads on 5 and Farmers & Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.