Side-by-side · Q2 2026 data
The First National Bank of Ballinger vs Farmers and Merchants Bank
Metric by metric
| Measure | The First National Bank of Ballinger | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 81 | 85 (stronger) |
| Capital cushion | 55 | 70 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 82 (stronger) | 80 |
| Funding & liquidity | 87 (stronger) | 84 |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 80th | 88th |
| Total assets | $275.3M | $269.8M |
| Deposits / shares | $244.9M | $232.9M |
| Capital ratio | 10.52% | 11.97% (stronger) |
| Problem loans | 0.03% | 0.00% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.33% |
| Return on assets | 1.54% (stronger) | 1.49% |
| Loans ÷ deposits | 61.6% (stronger) | 62.7% |
| Uninsured deposits | 25.2% (stronger) | 27.8% |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (85 vs 81). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Ballinger leads on 4 and Farmers and Merchants Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.