Side-by-side · Q2 2026 data
Shamrock Bank, N.A. vs Farmers & Merchants Bank
Metric by metric
| Measure | Shamrock Bank, N.A. | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 58 | 63 (stronger) |
| Loan quality | 90 | 100 (stronger) |
| Earnings | 90 (stronger) | 48 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 75th | 63rd |
| Total assets | $501.5M | $20.5M |
| Deposits / shares | $452.9M | $18.1M |
| Capital ratio | 10.79% | 11.30% (stronger) |
| Problem loans | 0.29% | 0.00% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 1.76% (stronger) | 0.71% |
| Loans ÷ deposits | 71.3% | 34.8% (stronger) |
| Uninsured deposits | 25.3% | 10.1% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Shamrock Bank, N.A. leads on 2 and Farmers & Merchants Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.