Side-by-side · Q2 2026 data
York State Bank vs Farmers and Merchants Bank
Metric by metric
| Measure | York State Bank | Farmers and Merchants Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 78 |
| Capital cushion | 89 (stronger) | 56 |
| Loan quality | 93 | 100 (stronger) |
| Earnings | 100 (stronger) | 56 |
| Funding & liquidity | 70 | 99 (stronger) |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 95th | 86th |
| Total assets | $200.2M | $1.1B |
| Deposits / shares | $167.4M | $885.6M |
| Capital ratio | 13.92% (stronger) | 10.64% |
| Problem loans | 0.20% | 0.00% (stronger) |
| Net charge-offs | 0.08% | -0.00% (stronger) |
| Return on assets | 2.08% (stronger) | 0.89% |
| Loans ÷ deposits | 77.1% | 26.2% (stronger) |
| Uninsured deposits | 27.4% | 16.0% (stronger) |
| Offices | 3 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.7% |
York State Bank has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), York State Bank leads on 3 and Farmers and Merchants Bank on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.