Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs The Citizens Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | The Citizens Bank |
|---|---|---|
| TellerScore | 67 | 70 (stronger) |
| Capital cushion | 48 (stronger) | 39 |
| Loan quality | 87 | 88 (stronger) |
| Earnings | 63 | 82 (stronger) |
| Funding & liquidity | 61 | 67 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 44th | 58th |
| Total assets | $2.0B | $1.6B |
| Deposits / shares | $1.7B | $1.5B |
| Capital ratio | 9.79% (stronger) | 8.87% |
| Problem loans | 0.39% | 0.37% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.08% |
| Return on assets | 1.07% | 1.55% (stronger) |
| Loans ÷ deposits | 82.2% (stronger) | 85.2% |
| Uninsured deposits | 30.6% | 22.8% (stronger) |
| Offices | 19 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | 13.3% |
The Citizens Bank has the higher TellerScore (70 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 3 and The Citizens Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.