Side-by-side · Q2 2026 data
Legacy Bank vs Farmers and Miners Bank
Metric by metric
| Measure | Legacy Bank | Farmers and Miners Bank |
|---|---|---|
| TellerScore | 68 | 89 (stronger) |
| Capital cushion | 100 (stronger) | 83 |
| Loan quality | 41 | 89 (stronger) |
| Earnings | 54 | 85 (stronger) |
| Funding & liquidity | 58 | 100 (stronger) |
| Problem-loan coverage | 85 | 98 (stronger) |
| Peer percentile | 37th | 94th |
| Total assets | $360.2M | $193.2M |
| Deposits / shares | $279.7M | $166.3M |
| Capital ratio | 20.64% (stronger) | 13.28% |
| Problem loans | 1.78% | 0.32% (stronger) |
| Net charge-offs | 0.17% | 0.10% (stronger) |
| Return on assets | 0.85% | 1.63% (stronger) |
| Loans ÷ deposits | 82.9% | 59.5% (stronger) |
| Uninsured deposits | 32.4% | 9.2% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.1% | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Legacy Bank leads on 1 and Farmers and Miners Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.