Side-by-side · Q2 2026 data
Tri-County Bank & Trust Company vs Farmers and Merchants Bank
Metric by metric
| Measure | Tri-County Bank & Trust Company | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 33 | 71 (stronger) |
| Capital cushion | 41 (stronger) | 40 |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 35 | 80 (stronger) |
| Funding & liquidity | 58 (stronger) | 52 |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 1st | 47th |
| Total assets | $313.9M | $306.1M |
| Deposits / shares | $259.4M | $279.5M |
| Capital ratio | 9.09% (stronger) | 9.05% |
| Problem loans | 3.45% | 0.00% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.01% |
| Return on assets | 0.36% | 1.51% (stronger) |
| Loans ÷ deposits | 78.5% | 72.9% (stronger) |
| Uninsured deposits | 36.7% (stronger) | 46.7% |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 5.3% |
Farmers and Merchants Bank has the higher TellerScore (71 vs 33). On the 7 directional measures above (where higher or lower is clearly better), Tri-County Bank & Trust Company leads on 3 and Farmers and Merchants Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.