Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs Bank of Wolcott
Metric by metric
| Measure | The Farmers and Merchants Bank | Bank of Wolcott |
|---|---|---|
| TellerScore | 68 | 81 (stronger) |
| Capital cushion | 41 | 70 (stronger) |
| Loan quality | 100 (stronger) | 86 |
| Earnings | 52 | 88 (stronger) |
| Funding & liquidity | 66 | 73 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 37th | 80th |
| Total assets | $213.4M | $280.3M |
| Deposits / shares | $194.0M | $234.2M |
| Capital ratio | 9.12% | 12.01% (stronger) |
| Problem loans | 0.01% (stronger) | 0.43% |
| Net charge-offs | -0.00% | -0.00% (stronger) |
| Return on assets | 0.80% | 1.69% (stronger) |
| Loans ÷ deposits | 72.4% | 60.2% (stronger) |
| Uninsured deposits | 34.2% (stronger) | 39.2% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 0.0% |
Bank of Wolcott has the higher TellerScore (81 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 2 and Bank of Wolcott on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.