Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The Twin Valley Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | The Twin Valley Bank |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 99 (stronger) | 42 |
| Loan quality | 0 | 97 (stronger) |
| Earnings | 79 (stronger) | 63 |
| Funding & liquidity | 87 | 88 (stronger) |
| Problem-loan coverage | 71 | 95 (stronger) |
| Peer percentile | 31st | 50th |
| Total assets | $136.4M | $137.6M |
| Deposits / shares | $116.5M | $126.5M |
| Capital ratio | 14.92% (stronger) | 9.23% |
| Problem loans | 3.86% | 0.08% (stronger) |
| Net charge-offs | 0.08% | 0.06% (stronger) |
| Return on assets | 1.47% (stronger) | 1.08% |
| Loans ÷ deposits | 66.1% (stronger) | 72.6% |
| Uninsured deposits | 21.4% | 12.2% (stronger) |
| Offices | 1 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Twin Valley Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 3 and The Twin Valley Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.