Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs First Metro Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | First Metro Bank |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 80 |
| Loan quality | 56 | 96 (stronger) |
| Earnings | 43 | 85 (stronger) |
| Funding & liquidity | 82 (stronger) | 63 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 54th | 95th |
| Total assets | $98.3M | $1.0B |
| Deposits / shares | $86.5M | $893.7M |
| Capital ratio | 17.03% (stronger) | 12.98% |
| Problem loans | 1.33% | 0.13% (stronger) |
| Net charge-offs | 0.04% (stronger) | 0.22% |
| Return on assets | 0.59% | 1.62% (stronger) |
| Loans ÷ deposits | 5.9% (stronger) | 66.4% |
| Uninsured deposits | 31.2% (stronger) | 42.8% |
| Offices | 2 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.7% |
First Metro Bank has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 4 and First Metro Bank on 3. 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.