Side-by-side · Q2 2026 data
The Farmers & Merchants Bank vs Nova Bank
Metric by metric
| Measure | The Farmers & Merchants Bank | Nova Bank |
|---|---|---|
| TellerScore | 75 | 82 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 56 | 100 (stronger) |
| Earnings | 43 | 48 (stronger) |
| Funding & liquidity | 82 (stronger) | 52 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 54th | 70th |
| Total assets | $98.3M | $91.2M |
| Deposits / shares | $86.5M | $66.1M |
| Capital ratio | 17.03% | 28.11% (stronger) |
| Problem loans | 1.33% | 0.00% (stronger) |
| Net charge-offs | 0.04% | -0.01% (stronger) |
| Return on assets | 0.59% | 0.69% (stronger) |
| Loans ÷ deposits | 5.9% (stronger) | 106.4% |
| Uninsured deposits | 31.2% | 16.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Nova Bank has the higher TellerScore (82 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants Bank leads on 1 and Nova Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.