Side-by-side · Q2 2026 data
SNB Bank, National Association vs Farmers and Merchants Bank
Metric by metric
| Measure | SNB Bank, National Association | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 36 | 85 (stronger) |
| Capital cushion | 68 | 80 (stronger) |
| Loan quality | 0 | 86 (stronger) |
| Earnings | 20 | 82 (stronger) |
| Funding & liquidity | 79 | 86 (stronger) |
| Problem-loan coverage | 1 | 98 (stronger) |
| Peer percentile | 1st | 78th |
| Total assets | $129.4M | $80.3M |
| Deposits / shares | $111.3M | $69.9M |
| Capital ratio | 11.80% | 13.00% (stronger) |
| Problem loans | 6.18% | 0.42% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.82% |
| Return on assets | 0.01% | 1.56% (stronger) |
| Loans ÷ deposits | 81.2% | 34.4% (stronger) |
| Uninsured deposits | 7.8% (stronger) | 27.8% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 36). On the 7 directional measures above (where higher or lower is clearly better), SNB Bank, National Association leads on 2 and Farmers and Merchants Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.