Side-by-side · Q2 2026 data
Merchants Bank, National Association vs F & M Community Bank, National Association
Metric by metric
| Measure | Merchants Bank, National Association | F & M Community Bank, National Association |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 65 (stronger) | 49 |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 69 (stronger) | 62 |
| Funding & liquidity | 67 | 78 (stronger) |
| Problem-loan coverage | 94 | 100 (stronger) |
| Peer percentile | 70th | 57th |
| Total assets | $2.9B | $211.1M |
| Deposits / shares | $2.5B | $184.4M |
| Capital ratio | 11.49% (stronger) | 9.93% |
| Problem loans | 0.53% | 0.00% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.23% (stronger) | 1.06% |
| Loans ÷ deposits | 81.5% | 80.7% (stronger) |
| Uninsured deposits | 25.8% | 16.9% (stronger) |
| Offices | 22 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 1.1% |
F & M Community Bank, National Association has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Merchants Bank, National Association leads on 2 and F & M Community Bank, National Association on 5. 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.