Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs LNB Community Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | LNB Community Bank |
|---|---|---|
| TellerScore | 68 | 69 (stronger) |
| Capital cushion | 41 | 44 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 52 | 86 (stronger) |
| Funding & liquidity | 66 (stronger) | 42 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 37th | 40th |
| Total assets | $213.4M | $181.0M |
| Deposits / shares | $194.0M | $161.3M |
| Capital ratio | 9.12% | 9.36% (stronger) |
| Problem loans | 0.01% (stronger) | 0.23% |
| Net charge-offs | -0.00% (stronger) | 0.01% |
| Return on assets | 0.80% | 1.64% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 85.4% |
| Uninsured deposits | 34.2% (stronger) | 44.6% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 7.5% |
LNB Community Bank has the higher TellerScore (69 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 4 and LNB Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.