Side-by-side · Q2 2026 data
Frazer Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Frazer Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 77 | 79 (stronger) |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 100 | 100 |
| Earnings | 41 | 48 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 68th | 63rd |
| Total assets | $354.3M | $20.5M |
| Deposits / shares | $317.1M | $18.1M |
| Capital ratio | 11.21% | 11.30% (stronger) |
| Problem loans | 0.00% | 0.00% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 0.51% | 0.71% (stronger) |
| Loans ÷ deposits | 60.9% | 34.8% (stronger) |
| Uninsured deposits | 9.0% (stronger) | 10.1% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank has the higher TellerScore (79 vs 77). On the 5 directional measures above (where higher or lower is clearly better), Frazer Bank leads on 1 and Farmers & Merchants Bank on 4. 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.