Side-by-side · Q2 2026 data
Town & Country Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | Town & Country Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 92 (stronger) | 78 |
| Capital cushion | 91 (stronger) | 61 |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 87 | 91 (stronger) |
| Funding & liquidity | 81 (stronger) | 53 |
| Problem-loan coverage | 100 (stronger) | 97 |
| Peer percentile | 97th | 72nd |
| Total assets | $228.9M | $215.4M |
| Deposits / shares | $194.1M | $165.1M |
| Capital ratio | 14.09% (stronger) | 11.08% |
| Problem loans | 0.00% (stronger) | 0.19% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.69% | 1.78% (stronger) |
| Loans ÷ deposits | 78.4% (stronger) | 107.1% |
| Uninsured deposits | 15.4% | 12.4% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Town & Country Bank has the higher TellerScore (92 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Town & Country Bank leads on 5 and Farmers and Merchants Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.