Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Commonwealth National Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | Commonwealth National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 45 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 56 (stronger) | 0 |
| Earnings | 43 (stronger) | 8 |
| Funding & liquidity | 82 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 71 |
| Peer percentile | 54th | 6th |
| Total assets | $98.3M | $78.5M |
| Deposits / shares | $86.5M | $69.5M |
| Capital ratio | 17.03% (stronger) | 13.73% |
| Problem loans | 1.33% (stronger) | 4.31% |
| Net charge-offs | 0.04% (stronger) | 0.16% |
| Return on assets | 0.59% (stronger) | -0.30% |
| Loans ÷ deposits | 5.9% (stronger) | 44.2% |
| Uninsured deposits | 31.2% (stronger) | 42.2% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers & Merchants Bank has the higher TellerScore (75 vs 45). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 7 and Commonwealth National Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.