Side-by-side · Q2 2026 data
Generations Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Generations Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 54 | 78 (stronger) |
| Capital cushion | 56 | 61 (stronger) |
| Loan quality | 37 | 94 (stronger) |
| Earnings | 52 | 91 (stronger) |
| Funding & liquidity | 68 (stronger) | 53 |
| Problem-loan coverage | 75 | 97 (stronger) |
| Peer percentile | 13th | 72nd |
| Total assets | $58.3M | $215.4M |
| Deposits / shares | $46.8M | $165.1M |
| Capital ratio | 10.58% | 11.08% (stronger) |
| Problem loans | 1.90% | 0.19% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 0.81% | 1.78% (stronger) |
| Loans ÷ deposits | 92.7% (stronger) | 107.1% |
| Uninsured deposits | 10.7% (stronger) | 12.4% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (78 vs 54). On the 7 directional measures above (where higher or lower is clearly better), Generations 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.