Side-by-side · Q2 2026 data
Merchants & Farmers Bank & Trust Company vs Beauregard Federal Savings Bank
Metric by metric
| Measure | Merchants & Farmers Bank & Trust Company | Beauregard Federal Savings Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 41 |
| Capital cushion | 62 (stronger) | 47 |
| Loan quality | 77 (stronger) | 0 |
| Earnings | 57 | 66 (stronger) |
| Funding & liquidity | 77 (stronger) | 55 |
| Problem-loan coverage | 93 (stronger) | 54 |
| Peer percentile | 43rd | 3rd |
| Total assets | $541.4M | $106.4M |
| Deposits / shares | $486.0M | $84.9M |
| Capital ratio | 11.17% (stronger) | 9.70% |
| Problem loans | 0.70% (stronger) | 3.36% |
| Net charge-offs | 0.05% | 0.03% (stronger) |
| Return on assets | 0.92% | 1.14% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 97.1% |
| Uninsured deposits | 36.0% | 22.6% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | — |
Merchants & Farmers Bank & Trust Company has the higher TellerScore (70 vs 41). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank & Trust Company leads on 4 and Beauregard Federal Savings Bank on 3. 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.