Side-by-side · Q2 2026 data
Twin Cedars Bank vs Farmers and Merchants Savings Bank
Metric by metric
| Measure | Twin Cedars Bank | Farmers and Merchants Savings Bank |
|---|---|---|
| TellerScore | 29 | 83 (stronger) |
| Capital cushion | 42 | 86 (stronger) |
| Loan quality | 0 | 100 (stronger) |
| Earnings | 0 | 60 (stronger) |
| Funding & liquidity | 76 (stronger) | 69 |
| Problem-loan coverage | 46 | 100 (stronger) |
| Peer percentile | 1st | 84th |
| Total assets | $118.3M | $122.5M |
| Deposits / shares | $104.7M | $102.7M |
| Capital ratio | 9.19% | 13.62% (stronger) |
| Problem loans | 4.61% | 0.00% (stronger) |
| Net charge-offs | 1.84% | 0.00% (stronger) |
| Return on assets | -2.34% | 1.00% (stronger) |
| Loans ÷ deposits | 84.3% | 76.4% (stronger) |
| Uninsured deposits | 8.7% (stronger) | 28.1% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | — |
Farmers and Merchants Savings Bank has the higher TellerScore (83 vs 29). On the 7 directional measures above (where higher or lower is clearly better), Twin Cedars Bank leads on 1 and Farmers and Merchants Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.