Side-by-side · Q2 2026 data
The Exchange Bank of Alabama vs Farmers and Merchants Bank
Metric by metric
| Measure | The Exchange Bank of Alabama | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 91 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 99 (stronger) | 74 |
| Earnings | 69 (stronger) | 54 |
| Funding & liquidity | 82 | 89 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 96th | 61st |
| Total assets | $392.5M | $308.7M |
| Deposits / shares | $336.4M | $268.6M |
| Capital ratio | 15.30% (stronger) | 12.73% |
| Problem loans | 0.04% (stronger) | 0.78% |
| Net charge-offs | 0.04% (stronger) | 0.10% |
| Return on assets | 1.21% (stronger) | 0.85% |
| Loans ÷ deposits | 61.0% | 56.3% (stronger) |
| Uninsured deposits | 30.3% | 25.6% (stronger) |
| Offices | 5 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | 0.0% |
The Exchange Bank of Alabama has the higher TellerScore (91 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Exchange Bank of Alabama leads on 5 and Farmers and Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.