Side-by-side · Q2 2026 data
Minden Exchange Bank & Trust Company vs Farmers and Merchants Bank
Metric by metric
| Measure | Minden Exchange Bank & Trust Company | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 82 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 59 | 94 (stronger) |
| Earnings | 84 | 91 (stronger) |
| Funding & liquidity | 76 (stronger) | 53 |
| Problem-loan coverage | 93 | 97 (stronger) |
| Peer percentile | 82nd | 72nd |
| Total assets | $201.4M | $215.4M |
| Deposits / shares | $146.5M | $165.1M |
| Capital ratio | 19.84% (stronger) | 11.08% |
| Problem loans | 1.23% | 0.19% (stronger) |
| Net charge-offs | 0.53% | 0.00% (stronger) |
| Return on assets | 1.59% | 1.78% (stronger) |
| Loans ÷ deposits | 73.6% (stronger) | 107.1% |
| Uninsured deposits | 24.6% | 12.4% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Minden Exchange Bank & Trust Company has the higher TellerScore (82 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Minden Exchange Bank & Trust Company leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.