Side-by-side · Q2 2026 data
First Tri County Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | First Tri County Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 72 | 78 (stronger) |
| Capital cushion | 41 | 61 (stronger) |
| Loan quality | 99 (stronger) | 94 |
| Earnings | 56 | 91 (stronger) |
| Funding & liquidity | 91 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 45th | 72nd |
| Total assets | $78.5M | $215.4M |
| Deposits / shares | $70.7M | $165.1M |
| Capital ratio | 9.07% | 11.08% (stronger) |
| Problem loans | 0.04% (stronger) | 0.19% |
| Net charge-offs | -0.06% (stronger) | 0.00% |
| Return on assets | 0.89% | 1.78% (stronger) |
| Loans ÷ deposits | 65.1% (stronger) | 107.1% |
| Uninsured deposits | 18.8% | 12.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (78 vs 72). On the 7 directional measures above (where higher or lower is clearly better), First Tri County Bank leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.