Side-by-side · Q2 2026 data
RiverHills Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | RiverHills Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 73 | 74 (stronger) |
| Capital cushion | 57 | 72 (stronger) |
| Loan quality | 96 (stronger) | 65 |
| Earnings | 67 | 94 (stronger) |
| Funding & liquidity | 61 (stronger) | 58 |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 53rd | 57th |
| Total assets | $340.8M | $359.4M |
| Deposits / shares | $294.4M | $307.3M |
| Capital ratio | 10.69% | 12.16% (stronger) |
| Problem loans | 0.12% (stronger) | 1.04% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.16% | 1.85% (stronger) |
| Loans ÷ deposits | 96.2% | 92.9% (stronger) |
| Uninsured deposits | 17.6% (stronger) | 23.4% |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers & Merchants Bank has the higher TellerScore (74 vs 73). On the 7 directional measures above (where higher or lower is clearly better), RiverHills Bank leads on 3 and Farmers & Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.