Side-by-side · Q2 2026 data
Mechanics & Farmers Bank vs LifeStore Bank
Metric by metric
| Measure | Mechanics & Farmers Bank | LifeStore Bank |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 20 | 63 (stronger) |
| Earnings | 47 | 66 (stronger) |
| Funding & liquidity | 76 | 81 (stronger) |
| Problem-loan coverage | 82 | 88 (stronger) |
| Peer percentile | 26th | 47th |
| Total assets | $476.0M | $491.3M |
| Deposits / shares | $402.2M | $429.7M |
| Capital ratio | 15.10% (stronger) | 11.92% |
| Problem loans | 2.39% | 1.11% (stronger) |
| Net charge-offs | 0.75% | -0.02% (stronger) |
| Return on assets | 0.68% | 1.14% (stronger) |
| Loans ÷ deposits | 67.7% (stronger) | 74.5% |
| Uninsured deposits | 30.2% | 18.8% (stronger) |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
LifeStore Bank has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Mechanics & Farmers Bank leads on 2 and LifeStore Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.