Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs LCNB National Bank
Metric by metric
| Measure | The Farmers & Merchants State Bank | LCNB National Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 68 |
| Capital cushion | 44 (stronger) | 43 |
| Loan quality | 91 (stronger) | 89 |
| Earnings | 71 (stronger) | 67 |
| Funding & liquidity | 67 | 67 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 58th | 49th |
| Total assets | $3.5B | $2.2B |
| Deposits / shares | $2.9B | $1.8B |
| Capital ratio | 9.44% (stronger) | 9.30% |
| Problem loans | 0.27% (stronger) | 0.34% |
| Net charge-offs | 0.02% (stronger) | 0.32% |
| Return on assets | 1.28% (stronger) | 1.16% |
| Loans ÷ deposits | 93.3% | 92.8% (stronger) |
| Uninsured deposits | 11.1% (stronger) | 12.3% |
| Offices | 37 | 34 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.4% |
The Farmers & Merchants State Bank has the higher TellerScore (70 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 6 and LCNB National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.