Side-by-side · Q2 2026 data
The Farmers Bank of Willards vs BayVanguard Bank
Metric by metric
| Measure | The Farmers Bank of Willards | BayVanguard Bank |
|---|---|---|
| TellerScore | 76 | 80 (stronger) |
| Capital cushion | 71 | 100 (stronger) |
| Loan quality | 77 | 84 (stronger) |
| Earnings | 74 (stronger) | 60 |
| Funding & liquidity | 77 (stronger) | 52 |
| Problem-loan coverage | 88 | 96 (stronger) |
| Peer percentile | 64th | 77th |
| Total assets | $547.6M | $868.7M |
| Deposits / shares | $472.6M | $689.1M |
| Capital ratio | 12.13% | 17.13% (stronger) |
| Problem loans | 0.70% | 0.48% (stronger) |
| Net charge-offs | 0.11% | -0.01% (stronger) |
| Return on assets | 1.35% (stronger) | 1.01% |
| Loans ÷ deposits | 83.0% (stronger) | 102.2% |
| Uninsured deposits | 14.3% (stronger) | 20.7% |
| Offices | 7 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 4.3% |
BayVanguard Bank has the higher TellerScore (80 vs 76). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank of Willards leads on 3 and BayVanguard Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.