Side-by-side · Q2 2026 data
Legends Bank vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | Legends Bank | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 90 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 78 |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 100 (stronger) | 68 |
| Funding & liquidity | 65 | 83 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 95th | 86th |
| Total assets | $635.5M | $343.5M |
| Deposits / shares | $515.2M | $301.1M |
| Capital ratio | 18.31% (stronger) | 12.76% |
| Problem loans | 0.51% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 2.26% (stronger) | 1.19% |
| Loans ÷ deposits | 88.1% | 77.0% (stronger) |
| Uninsured deposits | 21.6% | 12.6% (stronger) |
| Offices | 11 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.5% | 5.8% |
Legends Bank has the higher TellerScore (90 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Legends Bank leads on 4 and Farmers and Merchants Bank of St. Clair on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.