Side-by-side · Q2 2026 data
Phenix-Girard Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Phenix-Girard Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 68 (stronger) | 66 |
| Loan quality | 83 (stronger) | 67 |
| Earnings | 62 | 63 (stronger) |
| Funding & liquidity | 58 | 80 (stronger) |
| Problem-loan coverage | 92 (stronger) | 89 |
| Peer percentile | 47th | 43rd |
| Total assets | $342.3M | $307.6M |
| Deposits / shares | $323.6M | $276.9M |
| Capital ratio | 11.76% (stronger) | 11.56% |
| Problem loans | 0.51% (stronger) | 0.98% |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 1.04% | 1.08% (stronger) |
| Loans ÷ deposits | 25.1% (stronger) | 45.6% |
| Uninsured deposits | 53.3% | 33.3% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Phenix-Girard Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 5 and Farmers and Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.