Side-by-side · Q2 2026 data
Skyline National Bank vs Farmers & Merchants Bank
Metric by metric
| Measure | Skyline National Bank | Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 66 | 70 (stronger) |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 89 (stronger) | 86 |
| Earnings | 80 (stronger) | 70 |
| Funding & liquidity | 46 | 88 (stronger) |
| Problem-loan coverage | 94 | 94 |
| Peer percentile | 40th | 58th |
| Total assets | $1.3B | $1.4B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 8.81% | 9.10% (stronger) |
| Problem loans | 0.34% (stronger) | 0.43% |
| Net charge-offs | 0.01% (stronger) | 0.07% |
| Return on assets | 1.51% (stronger) | 1.24% |
| Loans ÷ deposits | 93.1% | 72.6% (stronger) |
| Uninsured deposits | 34.1% | 14.1% (stronger) |
| Offices | 28 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.7% | 3.6% |
Farmers & Merchants Bank has the higher TellerScore (70 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Skyline National Bank leads on 3 and Farmers & Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.