Side-by-side · Q2 2026 data
HNB First Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | HNB First Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 64 | 70 (stronger) |
| Capital cushion | 45 | 66 (stronger) |
| Loan quality | 79 (stronger) | 67 |
| Earnings | 66 (stronger) | 63 |
| Funding & liquidity | 57 | 80 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 26th | 43rd |
| Total assets | $282.4M | $307.6M |
| Deposits / shares | $253.7M | $276.9M |
| Capital ratio | 9.53% | 11.56% (stronger) |
| Problem loans | 0.63% (stronger) | 0.98% |
| Net charge-offs | 0.01% (stronger) | 0.14% |
| Return on assets | 1.15% (stronger) | 1.08% |
| Loans ÷ deposits | 87.0% | 45.6% (stronger) |
| Uninsured deposits | 29.9% (stronger) | 33.3% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | — |
Farmers and Merchants Bank has the higher TellerScore (70 vs 64). On the 7 directional measures above (where higher or lower is clearly better), HNB First Bank leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.