Side-by-side · Q2 2026 data
FNBC Bank vs Merchants & Planters' Bank
Metric by metric
| Measure | FNBC Bank | Merchants & Planters' Bank |
|---|---|---|
| TellerScore | 69 (stronger) | 62 |
| Capital cushion | 47 | 52 (stronger) |
| Loan quality | 74 (stronger) | 57 |
| Earnings | 84 (stronger) | 58 |
| Funding & liquidity | 75 | 80 (stronger) |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 40th | 22nd |
| Total assets | $843.3M | $379.4M |
| Deposits / shares | $704.1M | $340.9M |
| Capital ratio | 9.68% | 10.15% (stronger) |
| Problem loans | 0.79% (stronger) | 1.29% |
| Net charge-offs | 0.06% | -0.26% (stronger) |
| Return on assets | 1.60% (stronger) | 0.95% |
| Loans ÷ deposits | 85.6% | 52.8% (stronger) |
| Uninsured deposits | 12.1% (stronger) | 32.8% |
| Offices | 14 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.0% | — |
FNBC Bank has the higher TellerScore (69 vs 62). On the 7 directional measures above (where higher or lower is clearly better), FNBC Bank leads on 4 and Merchants & Planters' Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.