Side-by-side · Q2 2026 data
Merchants & Farmers Bank & Trust Company vs Gulf Coast Bank
Metric by metric
| Measure | Merchants & Farmers Bank & Trust Company | Gulf Coast Bank |
|---|---|---|
| TellerScore | 70 | 86 (stronger) |
| Capital cushion | 62 | 97 (stronger) |
| Loan quality | 77 | 79 (stronger) |
| Earnings | 57 | 70 (stronger) |
| Funding & liquidity | 77 | 90 (stronger) |
| Problem-loan coverage | 93 | 95 (stronger) |
| Peer percentile | 43rd | 90th |
| Total assets | $541.4M | $513.7M |
| Deposits / shares | $486.0M | $444.1M |
| Capital ratio | 11.17% | 14.75% (stronger) |
| Problem loans | 0.70% | 0.63% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.13% |
| Return on assets | 0.92% | 1.25% (stronger) |
| Loans ÷ deposits | 55.1% (stronger) | 65.5% |
| Uninsured deposits | 36.0% | 19.5% (stronger) |
| Offices | 9 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.0% | 17.2% |
Gulf Coast Bank has the higher TellerScore (86 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank & Trust Company leads on 2 and Gulf Coast Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.