Side-by-side · Q2 2026 data
Merchants and Farmers Bank vs Producers Bank & Trust
Metric by metric
| Measure | Merchants and Farmers Bank | Producers Bank & Trust |
|---|---|---|
| TellerScore | 50 | 90 (stronger) |
| Capital cushion | 57 | 100 (stronger) |
| Loan quality | 20 | 100 (stronger) |
| Earnings | 69 | 94 (stronger) |
| Funding & liquidity | 50 (stronger) | 40 |
| Problem-loan coverage | 65 | 100 (stronger) |
| Peer percentile | 7th | 95th |
| Total assets | $297.6M | $213.2M |
| Deposits / shares | $255.9M | $159.6M |
| Capital ratio | 10.74% | 22.09% (stronger) |
| Problem loans | 2.40% | 0.00% (stronger) |
| Net charge-offs | 0.11% (stronger) | 0.69% |
| Return on assets | 1.22% | 1.86% (stronger) |
| Loans ÷ deposits | 90.3% (stronger) | 95.7% |
| Uninsured deposits | 32.5% (stronger) | 37.3% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | — |
Producers Bank & Trust has the higher TellerScore (90 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Merchants and Farmers Bank leads on 3 and Producers Bank & Trust on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.