Side-by-side · Q2 2026 data
The Bank of Houston vs Farmers and Merchants Bank of St. Clair
Metric by metric
| Measure | The Bank of Houston | Farmers and Merchants Bank of St. Clair |
|---|---|---|
| TellerScore | 82 | 84 (stronger) |
| Capital cushion | 91 (stronger) | 78 |
| Loan quality | 95 | 100 (stronger) |
| Earnings | 63 | 68 (stronger) |
| Funding & liquidity | 57 | 83 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 70th | 86th |
| Total assets | $67.4M | $343.5M |
| Deposits / shares | $51.2M | $301.1M |
| Capital ratio | 14.14% (stronger) | 12.76% |
| Problem loans | 0.16% | 0.00% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.16% |
| Return on assets | 1.07% | 1.19% (stronger) |
| Loans ÷ deposits | 103.6% | 77.0% (stronger) |
| Uninsured deposits | 7.2% (stronger) | 12.6% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.8% |
Farmers and Merchants Bank of St. Clair has the higher TellerScore (84 vs 82). On the 7 directional measures above (where higher or lower is clearly better), The Bank of Houston leads on 3 and Farmers and Merchants Bank of St. Clair 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.