Side-by-side · Q2 2026 data
The Farmers & Merchants State Bank vs National Cooperative Bank, N.A.
Metric by metric
| Measure | The Farmers & Merchants State Bank | National Cooperative Bank, N.A. |
|---|---|---|
| TellerScore | 70 (stronger) | 46 |
| Capital cushion | 44 | 63 (stronger) |
| Loan quality | 91 (stronger) | 11 |
| Earnings | 71 | 75 (stronger) |
| Funding & liquidity | 67 (stronger) | 18 |
| Problem-loan coverage | 97 (stronger) | 63 |
| Peer percentile | 58th | 5th |
| Total assets | $3.5B | $4.3B |
| Deposits / shares | $2.9B | $3.6B |
| Capital ratio | 9.44% | 11.28% (stronger) |
| Problem loans | 0.27% (stronger) | 2.67% |
| Net charge-offs | 0.02% (stronger) | 0.02% |
| Return on assets | 1.28% | 1.37% (stronger) |
| Loans ÷ deposits | 93.3% (stronger) | 95.5% |
| Uninsured deposits | 11.1% (stronger) | 56.7% |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 13.6% |
The Farmers & Merchants State Bank has the higher TellerScore (70 vs 46). On the 7 directional measures above (where higher or lower is clearly better), The Farmers & Merchants State Bank leads on 5 and National Cooperative Bank, N.A. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.