Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs RiverBank
Metric by metric
| Measure | The Farmers & Merchants Bank | RiverBank |
|---|---|---|
| TellerScore | 67 (stronger) | 48 |
| Capital cushion | 48 | 72 (stronger) |
| Loan quality | 87 (stronger) | 0 |
| Earnings | 63 | 69 (stronger) |
| Funding & liquidity | 61 (stronger) | 48 |
| Problem-loan coverage | 95 (stronger) | 58 |
| Peer percentile | 44th | 6th |
| Total assets | $2.0B | $174.4M |
| Deposits / shares | $1.7B | $150.4M |
| Capital ratio | 9.79% | 12.18% (stronger) |
| Problem loans | 0.39% (stronger) | 3.42% |
| Net charge-offs | 0.01% (stronger) | 0.01% |
| Return on assets | 1.07% | 1.23% (stronger) |
| Loans ÷ deposits | 82.2% (stronger) | 89.3% |
| Uninsured deposits | 30.6% (stronger) | 35.5% |
| Offices | 19 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
The Farmers & Merchants Bank has the higher TellerScore (67 vs 48). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 5 and RiverBank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.