Side-by-side · Q2 2026 data
Merchants and Farmers Bank vs Relyance Bank
Metric by metric
| Measure | Merchants and Farmers Bank | Relyance Bank |
|---|---|---|
| TellerScore | 50 | 76 (stronger) |
| Capital cushion | 57 | 83 (stronger) |
| Loan quality | 20 | 87 (stronger) |
| Earnings | 69 | 69 |
| Funding & liquidity | 50 (stronger) | 39 |
| Problem-loan coverage | 65 | 95 (stronger) |
| Peer percentile | 7th | 80th |
| Total assets | $297.6M | $1.4B |
| Deposits / shares | $255.9M | $1.2B |
| Capital ratio | 10.74% | 13.27% (stronger) |
| Problem loans | 2.40% | 0.40% (stronger) |
| Net charge-offs | 0.11% | 0.02% (stronger) |
| Return on assets | 1.22% (stronger) | 1.21% |
| Loans ÷ deposits | 90.3% (stronger) | 91.8% |
| Uninsured deposits | 32.5% (stronger) | 41.1% |
| Offices | 3 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | 12.0% |
Relyance Bank has the higher TellerScore (76 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Merchants and Farmers Bank leads on 3 and Relyance Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.