Side-by-side · Q2 2026 data
Horatio State Bank vs Merchants and Farmers Bank
Metric by metric
| Measure | Horatio State Bank | Merchants and Farmers Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 50 |
| Capital cushion | 70 (stronger) | 57 |
| Loan quality | 61 (stronger) | 20 |
| Earnings | 68 | 69 (stronger) |
| Funding & liquidity | 66 (stronger) | 50 |
| Problem-loan coverage | 83 (stronger) | 65 |
| Peer percentile | 37th | 7th |
| Total assets | $311.5M | $297.6M |
| Deposits / shares | $275.5M | $255.9M |
| Capital ratio | 12.03% (stronger) | 10.74% |
| Problem loans | 1.18% (stronger) | 2.40% |
| Net charge-offs | 0.53% | 0.11% (stronger) |
| Return on assets | 1.20% | 1.22% (stronger) |
| Loans ÷ deposits | 94.0% | 90.3% (stronger) |
| Uninsured deposits | 13.7% (stronger) | 32.5% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 13.9% |
Horatio State Bank has the higher TellerScore (68 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Horatio State Bank leads on 4 and Merchants and Farmers Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.