Side-by-side · Q2 2026 data
Pendleton Community Bank, Inc. vs Farmers & Merchants Bank
Metric by metric
| Measure | Pendleton Community Bank, Inc. | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 61 | 70 (stronger) |
| Capital cushion | 37 | 41 (stronger) |
| Loan quality | 72 | 86 (stronger) |
| Earnings | 69 | 70 (stronger) |
| Funding & liquidity | 62 | 88 (stronger) |
| Problem-loan coverage | 85 | 94 (stronger) |
| Peer percentile | 20th | 58th |
| Total assets | $849.7M | $1.4B |
| Deposits / shares | $718.6M | $1.3B |
| Capital ratio | 8.67% | 9.10% (stronger) |
| Problem loans | 0.85% | 0.43% (stronger) |
| Net charge-offs | 0.22% | 0.07% (stronger) |
| Return on assets | 1.23% | 1.24% (stronger) |
| Loans ÷ deposits | 98.2% | 72.6% (stronger) |
| Uninsured deposits | 14.7% | 14.1% (stronger) |
| Offices | 15 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.0% | 3.6% |
Farmers & Merchants Bank has the higher TellerScore (70 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Pendleton Community Bank, Inc. leads on 0 and Farmers & Merchants Bank on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Harrisonburg, VA
- Staunton, VA
- Bridgewater, VA