Side-by-side · Q2 2026 data
The First National Bank of Fletcher vs Farmers and Merchants Bank
Metric by metric
| Measure | The First National Bank of Fletcher | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 65 | 71 (stronger) |
| Capital cushion | 49 | 59 (stronger) |
| Loan quality | 64 (stronger) | 46 |
| Earnings | 54 | 90 (stronger) |
| Funding & liquidity | 92 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 86 |
| Peer percentile | 26th | 42nd |
| Total assets | $23.4M | $22.0M |
| Deposits / shares | $21.2M | $19.6M |
| Capital ratio | 9.93% | 10.89% (stronger) |
| Problem loans | 1.07% (stronger) | 1.61% |
| Net charge-offs | -0.75% (stronger) | 0.45% |
| Return on assets | 0.86% | 1.75% (stronger) |
| Loans ÷ deposits | 18.6% (stronger) | 60.5% |
| Uninsured deposits | 22.5% | 13.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Merchants Bank has the higher TellerScore (71 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Fletcher leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.