Side-by-side · Q2 2026 data
The Merchants & Citizens Bank vs The Farmers Bank
Metric by metric
| Measure | The Merchants & Citizens Bank | The Farmers Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 82 (stronger) | 62 |
| Loan quality | 88 | 98 (stronger) |
| Earnings | 51 | 62 (stronger) |
| Funding & liquidity | 83 (stronger) | 77 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 75th | 68th |
| Total assets | $146.0M | $148.3M |
| Deposits / shares | $128.7M | $132.3M |
| Capital ratio | 13.24% (stronger) | 11.21% |
| Problem loans | 0.36% | 0.05% (stronger) |
| Net charge-offs | 0.16% | 0.00% (stronger) |
| Return on assets | 0.77% | 1.04% (stronger) |
| Loans ÷ deposits | 40.4% (stronger) | 71.8% |
| Uninsured deposits | 31.0% | 25.3% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Merchants & Citizens Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), The Merchants & Citizens Bank leads on 3 and The Farmers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.