Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs West Pointe Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | West Pointe Bank |
|---|---|---|
| TellerScore | 54 | 84 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 35 | 70 (stronger) |
| Earnings | 69 | 100 (stronger) |
| Funding & liquidity | 67 (stronger) | 49 |
| Problem-loan coverage | 63 | 93 (stronger) |
| Peer percentile | 10th | 86th |
| Total assets | $949.4M | $368.8M |
| Deposits / shares | $784.7M | $260.2M |
| Capital ratio | 10.02% | 19.41% (stronger) |
| Problem loans | 1.96% | 0.91% (stronger) |
| Net charge-offs | 0.29% | -1.90% (stronger) |
| Return on assets | 1.23% | 2.33% (stronger) |
| Loans ÷ deposits | 93.1% (stronger) | 116.0% |
| Uninsured deposits | 7.4% (stronger) | 15.7% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 1.0% |
West Pointe Bank has the higher TellerScore (84 vs 54). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 2 and West Pointe Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.