Side-by-side · Q2 2026 data
Herring Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Herring Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 66 | 79 (stronger) |
| Capital cushion | 72 (stronger) | 63 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 26 | 48 (stronger) |
| Funding & liquidity | 67 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 31st | 63rd |
| Total assets | $540.5M | $20.5M |
| Deposits / shares | $477.0M | $18.1M |
| Capital ratio | 12.20% (stronger) | 11.30% |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 0.15% | 0.71% (stronger) |
| Loans ÷ deposits | 76.7% | 34.8% (stronger) |
| Uninsured deposits | 30.5% | 10.1% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.0% | — |
Farmers & Merchants Bank has the higher TellerScore (79 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Herring Bank leads on 1 and Farmers & Merchants Bank on 6. 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.