Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs Hendricks County Bank and Trust Company
Metric by metric
| Measure | The Farmers and Merchants Bank | Hendricks County Bank and Trust Company |
|---|---|---|
| TellerScore | 68 (stronger) | 67 |
| Capital cushion | 41 | 50 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 52 (stronger) | 47 |
| Funding & liquidity | 66 | 79 (stronger) |
| Problem-loan coverage | 100 (stronger) | 93 |
| Peer percentile | 37th | 34th |
| Total assets | $213.4M | $247.4M |
| Deposits / shares | $194.0M | $226.3M |
| Capital ratio | 9.12% | 9.96% (stronger) |
| Problem loans | 0.01% (stronger) | 0.49% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 0.80% (stronger) | 0.66% |
| Loans ÷ deposits | 72.4% | 66.5% (stronger) |
| Uninsured deposits | 34.2% | 28.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 12.7% |
The Farmers and Merchants Bank has the higher TellerScore (68 vs 67). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 3 and Hendricks County Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.