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 | 56 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 56 | 56 |
| Funding & liquidity | 91 | 99 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 45th | 86th |
| Total assets | $78.5M | $1.1B |
| Deposits / shares | $70.7M | $885.6M |
| Capital ratio | 9.07% | 10.64% (stronger) |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | -0.00% |
| Return on assets | 0.89% (stronger) | 0.89% |
| Loans ÷ deposits | 65.1% | 26.2% (stronger) |
| Uninsured deposits | 18.8% | 16.0% (stronger) |
| Offices | 2 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
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 2 and Farmers and Merchants 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.