Side-by-side · Q2 2026 data
The Farmers and Merchants Bank vs Wayne Bank and Trust Co.
Metric by metric
| Measure | The Farmers and Merchants Bank | Wayne Bank and Trust Co. |
|---|---|---|
| TellerScore | 68 (stronger) | 64 |
| Capital cushion | 41 | 45 (stronger) |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 66 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 37th | 26th |
| Total assets | $213.4M | $255.3M |
| Deposits / shares | $194.0M | $224.6M |
| Capital ratio | 9.12% | 9.53% (stronger) |
| Problem loans | 0.01% (stronger) | 0.49% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.80% | 1.09% (stronger) |
| Loans ÷ deposits | 72.4% (stronger) | 89.7% |
| Uninsured deposits | 34.2% | 31.1% (stronger) |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.2% | — |
The Farmers and Merchants Bank has the higher TellerScore (68 vs 64). On the 7 directional measures above (where higher or lower is clearly better), The Farmers and Merchants Bank leads on 4 and Wayne Bank and Trust Co. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.