Side-by-side · Q2 2026 data
Peoples Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Peoples Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 52 | 77 (stronger) |
| Capital cushion | 67 | 92 (stronger) |
| Loan quality | 0 | 44 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 52 | 78 (stronger) |
| Problem-loan coverage | 45 | 85 (stronger) |
| Peer percentile | 8th | 68th |
| Total assets | $503.5M | $565.8M |
| Deposits / shares | $445.0M | $481.2M |
| Capital ratio | 11.72% | 14.19% (stronger) |
| Problem loans | 4.28% | 1.69% (stronger) |
| Net charge-offs | 0.31% | 0.17% (stronger) |
| Return on assets | 3.96% (stronger) | 1.78% |
| Loans ÷ deposits | 87.0% | 71.8% (stronger) |
| Uninsured deposits | 34.2% | 24.6% (stronger) |
| Offices | 4 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Farmers and Merchants Bank has the higher TellerScore (77 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 1 and Farmers and Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.