Side-by-side · Q2 2026 data
The Citizens Bank of Winfield vs Farmers and Merchants Bank
Metric by metric
| Measure | The Citizens Bank of Winfield | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 83 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 66 |
| Loan quality | 91 (stronger) | 67 |
| Earnings | 37 | 63 (stronger) |
| Funding & liquidity | 86 (stronger) | 80 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 84th | 43rd |
| Total assets | $301.3M | $307.6M |
| Deposits / shares | $215.2M | $276.9M |
| Capital ratio | 17.51% (stronger) | 11.56% |
| Problem loans | 0.26% (stronger) | 0.98% |
| Net charge-offs | 0.47% | 0.14% (stronger) |
| Return on assets | 0.43% | 1.08% (stronger) |
| Loans ÷ deposits | 52.2% | 45.6% (stronger) |
| Uninsured deposits | 27.9% (stronger) | 33.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Citizens Bank of Winfield has the higher TellerScore (83 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Citizens Bank of Winfield leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.