Side-by-side · Q2 2026 data
Merchants & Farmers Bank of Greene County, Alabama vs Citizens Trust Bank
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 Trust Bank |
|---|---|---|
| TellerScore | 46 | 71 (stronger) |
| Capital cushion | 67 | 82 (stronger) |
| Loan quality | 0 | 46 (stronger) |
| Earnings | 51 | 83 (stronger) |
| Funding & liquidity | 76 (stronger) | 63 |
| Problem-loan coverage | 43 | 86 (stronger) |
| Peer percentile | 5th | 47th |
| Total assets | $135.9M | $790.3M |
| Deposits / shares | $120.4M | $678.1M |
| Capital ratio | 11.69% | 13.24% (stronger) |
| Problem loans | 5.41% | 1.63% (stronger) |
| Net charge-offs | 0.11% | 0.04% (stronger) |
| Return on assets | 0.77% | 1.58% (stronger) |
| Loans ÷ deposits | 68.1% | 56.8% (stronger) |
| Uninsured deposits | 30.0% (stronger) | 48.1% |
| Offices | 3 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Trust Bank has the higher TellerScore (71 vs 46). On the 7 directional measures above (where higher or lower is clearly better), Merchants & Farmers Bank of Greene County, Alabama leads on 1 and Citizens Trust 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.
Where both have branches
- Eutaw, AL