The Citizens Bank Company vs The Farmers And Merchants Bank
Comparing a Bank in Beverly, OH with a Bank in Caldwell, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Citizens Bank Company ↗ Bank · Beverly, OH · Est. 1863 | The Farmers And Merchants Bank ↗ Bank · Caldwell, OH · Est. 1912 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Beverly, OH | Caldwell, OH |
| Total assets | $329.7M | $134.9M |
| Capital ratio | 12.1% | 14.5% |
| Return on assets | 1.6% | 1.6% |
| Deposits | $285.5M | $115.1M |
| Branches | 5 | 1 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #1 of 157 | #2 of 157 |
| Established | 1863 | 1912 |
The Citizens Bank Company
- Assets: $329.7M
- Deposits: $285.5M
- Capital ratio: 12.1%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #1 of 157
The Farmers And Merchants Bank
- Assets: $134.9M
- Deposits: $115.1M
- Capital ratio: 14.5%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 157
Are both institutions federally insured?
Yes. The Citizens Bank Company is FDIC-insured and The Farmers And Merchants Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Citizens Bank Company or The Farmers And Merchants Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Citizens Bank Company scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Citizens Bank Company safe?
Yes — The Citizens Bank Company is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is The Farmers And Merchants Bank safe?
Yes — The Farmers And Merchants Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Citizens Bank Company vs The Farmers And Merchants Bank?
The Citizens Bank Company has a capital ratio of 12.1%, placing it in the top 26% of $100M–1B peers. The Farmers And Merchants Bank's ratio is 14.5%, placing it in the top 12% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Citizens Bank Company have compared to The Farmers And Merchants Bank?
The CFPB database shows 0 complaints against The Citizens Bank Company, and 0 complaints against The Farmers And Merchants Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Citizens Bank Company with other Banks in Ohio
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
