Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs Civista Bank
Metric by metric
| Measure | The Farmers & Merchants State Bank | Civista Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 44 | 77 (stronger) |
| Loan quality | 91 (stronger) | 69 |
| Earnings | 71 | 78 (stronger) |
| Funding & liquidity | 67 (stronger) | 64 |
| Problem-loan coverage | 97 (stronger) | 91 |
| Peer percentile | 58th | 77th |
| Total assets | $3.5B | $4.3B |
| Deposits / shares | $2.9B | $3.5B |
| Capital ratio | 9.44% | 12.71% (stronger) |
| Problem loans | 0.27% (stronger) | 0.92% |
| Net charge-offs | 0.02% (stronger) | 0.05% |
| Return on assets | 1.28% | 1.45% (stronger) |
| Loans ÷ deposits | 93.3% | 92.4% (stronger) |
| Uninsured deposits | 11.1% (stronger) | 18.3% |
| Offices | 37 | 42 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 12.5% |
Civista Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 3 and Civista Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Napoleon, OH
- Bowling Green, OH
- Urbana, OH