Side-by-side · Q2 2026 data
Peoples Bank vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | Peoples Bank | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 80 | 84 (stronger) |
| Capital cushion | 60 | 78 (stronger) |
| Loan quality | 92 | 100 (stronger) |
| Earnings | 90 (stronger) | 68 |
| Funding & liquidity | 72 | 83 (stronger) |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 77th | 86th |
| Total assets | $248.7M | $343.5M |
| Deposits / shares | $227.1M | $301.1M |
| Capital ratio | 10.96% | 12.76% (stronger) |
| Problem loans | 0.23% | 0.00% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 1.75% (stronger) | 1.19% |
| Loans ÷ deposits | 75.1% (stronger) | 77.0% |
| Uninsured deposits | 26.9% | 12.6% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.8% | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 3 and Farmers and Merchants Bank of St. Clair on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.