Side-by-side · Q2 2026 data
Merchants & Farmers Bank of Greene County, Alabama vs Citizens' Bank, Inc.
Bank
Merchants & Farmers Bank of Greene County, Alabama
Eutaw, Alabama · $100 million – $1 billion
Metric by metric
| Measure | Merchants & Farmers Bank of Greene County, Alabama | Citizens' Bank, Inc. |
|---|---|---|
| TellerScore | 46 | 77 (stronger) |
| Capital cushion | 67 (stronger) | 60 |
| Loan quality | 0 | 95 (stronger) |
| Earnings | 51 | 66 (stronger) |
| Funding & liquidity | 76 | 83 (stronger) |
| Problem-loan coverage | 43 | 99 (stronger) |
| Peer percentile | 5th | 68th |
| Total assets | $135.9M | $158.9M |
| Deposits / shares | $120.4M | $143.1M |
| Capital ratio | 11.69% (stronger) | 11.00% |
| Problem loans | 5.41% | 0.14% (stronger) |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 0.77% | 1.16% (stronger) |
| Loans ÷ deposits | 68.1% | 59.1% (stronger) |
| Uninsured deposits | 30.0% (stronger) | 30.4% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens' Bank, Inc. has the higher TellerScore (77 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank of Greene County, Alabama leads on 2 and Citizens' Bank, Inc. on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.