Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The Settlers Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | The Settlers Bank |
|---|---|---|
| TellerScore | 66 | 94 (stronger) |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 79 | 93 (stronger) |
| Funding & liquidity | 87 (stronger) | 79 |
| Problem-loan coverage | 71 | 99 (stronger) |
| Peer percentile | 31st | 98th |
| Total assets | $136.4M | $142.4M |
| Deposits / shares | $116.5M | $119.1M |
| Capital ratio | 14.92% | 16.19% (stronger) |
| Problem loans | 3.86% | 0.18% (stronger) |
| Net charge-offs | 0.08% | 0.00% (stronger) |
| Return on assets | 1.47% | 1.83% (stronger) |
| Loans ÷ deposits | 66.1% (stronger) | 77.1% |
| Uninsured deposits | 21.4% | 18.4% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Settlers Bank has the higher TellerScore (94 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 1 and The Settlers Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.