Side-by-side · Q2 2026 data
Peoples Exchange Bank vs The Farmers & Merchants Bank
Metric by metric
| Measure | Peoples Exchange Bank | The Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 64 | 75 (stronger) |
| Capital cushion | 85 | 100 (stronger) |
| Loan quality | 19 | 56 (stronger) |
| Earnings | 59 (stronger) | 43 |
| Funding & liquidity | 95 (stronger) | 82 |
| Problem-loan coverage | 74 | 99 (stronger) |
| Peer percentile | 24th | 54th |
| Total assets | $98.6M | $98.3M |
| Deposits / shares | $86.6M | $86.5M |
| Capital ratio | 13.46% | 17.03% (stronger) |
| Problem loans | 2.44% | 1.33% (stronger) |
| Net charge-offs | 0.23% | 0.04% (stronger) |
| Return on assets | 0.99% (stronger) | 0.59% |
| Loans ÷ deposits | 60.5% | 5.9% (stronger) |
| Uninsured deposits | 19.1% (stronger) | 31.2% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers & Merchants Bank has the higher TellerScore (75 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Peoples Exchange Bank leads on 2 and The Farmers & Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.