Side-by-side · Q2 2026 data
Merchants and Farmers Bank vs The Citizens Bank
Metric by metric
| Measure | Merchants and Farmers Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 50 | 70 (stronger) |
| Capital cushion | 57 (stronger) | 39 |
| Loan quality | 20 | 88 (stronger) |
| Earnings | 69 | 82 (stronger) |
| Funding & liquidity | 50 | 67 (stronger) |
| Problem-loan coverage | 65 | 94 (stronger) |
| Peer percentile | 7th | 58th |
| Total assets | $297.6M | $1.6B |
| Deposits / shares | $255.9M | $1.5B |
| Capital ratio | 10.74% (stronger) | 8.87% |
| Problem loans | 2.40% | 0.37% (stronger) |
| Net charge-offs | 0.11% | 0.08% (stronger) |
| Return on assets | 1.22% | 1.55% (stronger) |
| Loans ÷ deposits | 90.3% | 85.2% (stronger) |
| Uninsured deposits | 32.5% | 22.8% (stronger) |
| Offices | 3 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Merchants and Farmers Bank leads on 1 and The Citizens Bank on 6. 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.