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 | 75 (stronger) |
| Capital cushion | 68 | 77 (stronger) |
| Loan quality | 83 (stronger) | 74 |
| Earnings | 62 (stronger) | 54 |
| Funding & liquidity | 58 | 89 (stronger) |
| Problem-loan coverage | 92 | 93 (stronger) |
| Peer percentile | 47th | 61st |
| Total assets | $342.3M | $308.7M |
| Deposits / shares | $323.6M | $268.6M |
| Capital ratio | 11.76% | 12.73% (stronger) |
| Problem loans | 0.51% (stronger) | 0.78% |
| Net charge-offs | 0.05% (stronger) | 0.10% |
| Return on assets | 1.04% (stronger) | 0.85% |
| Loans ÷ deposits | 25.1% (stronger) | 56.3% |
| Uninsured deposits | 53.3% | 25.6% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 0.0% |
Farmers and Merchants Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Phenix-Girard Bank leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.