Side-by-side · Q2 2026 data
Merchants & Farmers Bank & Trust Company vs b1BANK
Metric by metric
| Measure | Merchants & Farmers Bank & Trust Company | b1BANK |
|---|---|---|
| TellerScore | 70 (stronger) | 59 |
| Capital cushion | 62 (stronger) | 59 |
| Loan quality | 77 (stronger) | 58 |
| Earnings | 57 | 69 (stronger) |
| Funding & liquidity | 77 (stronger) | 34 |
| Problem-loan coverage | 93 (stronger) | 81 |
| Peer percentile | 43rd | 19th |
| Total assets | $541.4M | $8.9B |
| Deposits / shares | $486.0M | $7.3B |
| Capital ratio | 11.17% (stronger) | 10.91% |
| Problem loans | 0.70% (stronger) | 1.26% |
| Net charge-offs | 0.05% (stronger) | 0.12% |
| Return on assets | 0.92% | 1.23% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 90.8% |
| Uninsured deposits | 36.0% (stronger) | 46.7% |
| Offices | 9 | 56 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 7.0% |
Merchants & Farmers Bank & Trust Company has the higher TellerScore (70 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank & Trust Company leads on 6 and b1BANK on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.