Side-by-side · Q2 2026 data
The Bank of Charlotte County vs Farmers and Miners Bank
Metric by metric
| Measure | The Bank of Charlotte County | Farmers and Miners Bank |
|---|---|---|
| TellerScore | 87 | 89 (stronger) |
| Capital cushion | 78 | 83 (stronger) |
| Loan quality | 89 | 89 |
| Earnings | 100 (stronger) | 85 |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 96 | 98 (stronger) |
| Peer percentile | 91st | 94th |
| Total assets | $222.8M | $193.2M |
| Deposits / shares | $194.5M | $166.3M |
| Capital ratio | 12.79% | 13.28% (stronger) |
| Problem loans | 0.33% | 0.32% (stronger) |
| Net charge-offs | 0.13% | 0.10% (stronger) |
| Return on assets | 3.44% (stronger) | 1.63% |
| Loans ÷ deposits | 71.3% | 59.5% (stronger) |
| Uninsured deposits | 22.1% | 9.2% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.4% | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 87). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Charlotte County leads on 1 and Farmers and Miners Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.