Side-by-side · Q2 2026 data
National Exchange Bank and Trust vs Farmers & Merchants State Bank
Metric by metric
| Measure | National Exchange Bank and Trust | Farmers & Merchants State Bank |
|---|---|---|
| TellerScore | 88 (stronger) | 72 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 88 | 100 (stronger) |
| Earnings | 88 (stronger) | 57 |
| Funding & liquidity | 59 (stronger) | 50 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 98th | 50th |
| Total assets | $2.9B | $245.6M |
| Deposits / shares | $2.3B | $183.0M |
| Capital ratio | 20.06% (stronger) | 11.13% |
| Problem loans | 0.37% | 0.00% (stronger) |
| Net charge-offs | -0.07% (stronger) | -0.01% |
| Return on assets | 1.69% (stronger) | 0.92% |
| Loans ÷ deposits | 73.1% (stronger) | 115.7% |
| Uninsured deposits | 40.1% | 15.1% (stronger) |
| Offices | 32 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 6.1% |
National Exchange Bank and Trust has the higher TellerScore (88 vs 72). On the 7 directional measures above (where higher or lower is clearly better), National Exchange Bank and Trust leads on 5 and Farmers & Merchants State Bank on 2. 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.