Side-by-side · Q2 2026 data
First National Bank of Waterloo vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | First National Bank of Waterloo | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 60 | 84 (stronger) |
| Capital cushion | 42 | 78 (stronger) |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 58 | 68 (stronger) |
| Funding & liquidity | 91 (stronger) | 83 |
| Problem-loan coverage | 85 | 100 (stronger) |
| Peer percentile | 19th | 86th |
| Total assets | $929.3M | $343.5M |
| Deposits / shares | $779.6M | $301.1M |
| Capital ratio | 9.21% | 12.76% (stronger) |
| Problem loans | 1.33% | 0.00% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.16% |
| Return on assets | 0.96% | 1.19% (stronger) |
| Loans ÷ deposits | 69.3% (stronger) | 77.0% |
| Uninsured deposits | 14.0% | 12.6% (stronger) |
| Offices | 16 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 2.7% | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), First National Bank of Waterloo leads on 2 and Farmers and Merchants Bank of St. Clair on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.