Side-by-side · Q2 2026 data
Merchants and Farmers Bank vs United Bank
Metric by metric
| Measure | Merchants and Farmers Bank | United Bank |
|---|---|---|
| TellerScore | 50 | 74 (stronger) |
| Capital cushion | 57 | 57 |
| Loan quality | 20 | 97 (stronger) |
| Earnings | 69 (stronger) | 68 |
| Funding & liquidity | 50 | 60 (stronger) |
| Problem-loan coverage | 65 | 99 (stronger) |
| Peer percentile | 7th | 57th |
| Total assets | $297.6M | $296.0M |
| Deposits / shares | $255.9M | $260.3M |
| Capital ratio | 10.74% (stronger) | 10.66% |
| Problem loans | 2.40% | 0.10% (stronger) |
| Net charge-offs | 0.11% | -0.00% (stronger) |
| Return on assets | 1.22% (stronger) | 1.20% |
| Loans ÷ deposits | 90.3% (stronger) | 93.6% |
| Uninsured deposits | 32.5% | 21.5% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.9% | 17.9% |
United Bank has the higher TellerScore (74 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Merchants and Farmers Bank leads on 3 and United Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.