Side-by-side · Q2 2026 data
Georgia First Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Georgia First Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 66 |
| Capital cushion | 45 | 62 (stronger) |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 94 (stronger) | 42 |
| Funding & liquidity | 53 | 72 (stronger) |
| Problem-loan coverage | 99 (stronger) | 93 |
| Peer percentile | 61st | 31st |
| Total assets | $290.8M | $289.6M |
| Deposits / shares | $259.5M | $258.6M |
| Capital ratio | 9.52% | 11.20% (stronger) |
| Problem loans | 0.07% (stronger) | 0.74% |
| Net charge-offs | -0.00% | -0.12% (stronger) |
| Return on assets | 1.86% (stronger) | 0.55% |
| Loans ÷ deposits | 93.1% | 54.3% (stronger) |
| Uninsured deposits | 27.6% (stronger) | 40.2% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Georgia First Bank has the higher TellerScore (75 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Georgia First Bank leads on 4 and Farmers & Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.