Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs The Home National Bank of Thorntown
Metric by metric
| Measure | The Farmers and Merchants Bank | The Home National Bank of Thorntown |
|---|---|---|
| TellerScore | 68 | 68 |
| Capital cushion | 41 | 54 (stronger) |
| Loan quality | 100 (stronger) | 79 |
| Earnings | 52 | 58 (stronger) |
| Funding & liquidity | 66 | 72 (stronger) |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 37th | 37th |
| Total assets | $213.4M | $185.6M |
| Deposits / shares | $194.0M | $167.0M |
| Capital ratio | 9.12% | 10.37% (stronger) |
| Problem loans | 0.01% (stronger) | 0.62% |
| Net charge-offs | -0.00% (stronger) | 0.03% |
| Return on assets | 0.80% | 0.96% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 76.6% |
| Uninsured deposits | 34.2% | 25.1% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | 0.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 3 and The Home National Bank of Thorntown on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.