Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs Peoples Trust and Savings Bank
Metric by metric
| Measure | The Farmers and Merchants Bank | Peoples Trust and Savings Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 53 |
| Capital cushion | 41 | 80 (stronger) |
| Loan quality | 100 (stronger) | 30 |
| Earnings | 52 (stronger) | 25 |
| Funding & liquidity | 66 (stronger) | 63 |
| Problem-loan coverage | 100 (stronger) | 75 |
| Peer percentile | 37th | 9th |
| Total assets | $213.4M | $240.6M |
| Deposits / shares | $194.0M | $192.4M |
| Capital ratio | 9.12% | 12.96% (stronger) |
| Problem loans | 0.01% (stronger) | 2.09% |
| Net charge-offs | -0.00% (stronger) | -0.00% |
| Return on assets | 0.80% (stronger) | 0.11% |
| Loans ÷ deposits | 72.4% (stronger) | 90.4% |
| Uninsured deposits | 34.2% | 21.3% (stronger) |
| Offices | 4 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 20.0% |
The Farmers and Merchants Bank has the higher TellerScore (68 vs 53). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 5 and Peoples Trust and Savings Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.