Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Stone Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | Stone Bank |
|---|---|---|
| TellerScore | 67 (stronger) | 60 |
| Capital cushion | 48 (stronger) | 34 |
| Loan quality | 87 (stronger) | 65 |
| Earnings | 63 | 87 (stronger) |
| Funding & liquidity | 61 | 63 (stronger) |
| Problem-loan coverage | 95 (stronger) | 66 |
| Peer percentile | 44th | 19th |
| Total assets | $2.0B | $950.7M |
| Deposits / shares | $1.7B | $757.7M |
| Capital ratio | 9.79% (stronger) | 8.37% |
| Problem loans | 0.39% (stronger) | 1.04% |
| Net charge-offs | 0.01% (stronger) | 0.27% |
| Return on assets | 1.07% | 1.68% (stronger) |
| Loans ÷ deposits | 82.2% (stronger) | 97.1% |
| Uninsured deposits | 30.6% | 9.4% (stronger) |
| Offices | 19 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 2.1% |
The Farmers & Merchants Bank has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 5 and Stone Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.