The Farmers And Merchants Bank vs The Citizens Bank Company
Comparing a Bank in Caldwell, OH with a Bank in Beverly, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Farmers And Merchants Bank ↗ Bank · Caldwell, OH · Est. 1912 | The Citizens Bank Company ↗ Bank · Beverly, OH · Est. 1863 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Caldwell, OH | Beverly, OH |
| Total assets | $134.9M | $329.7M |
| Capital ratio | 14.5% | 12.1% |
| Return on assets | 1.6% | 1.6% |
| Deposits | $115.1M | $285.5M |
| Branches | 1 | 5 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 157 | #1 of 157 |
| Established | 1912 | 1863 |
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
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
Are both institutions federally insured?
Yes. The Farmers And Merchants Bank is FDIC-insured and The Citizens Bank Company 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 Farmers And Merchants Bank or The Citizens Bank Company?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Farmers And Merchants Bank 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 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 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of The Farmers And Merchants Bank vs The Citizens Bank Company?
The Farmers And Merchants Bank has a capital ratio of 14.5%, placing it in the top 12% of $100M–1B peers. The Citizens Bank Company's ratio is 12.1%, placing it in the top 26% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Farmers And Merchants Bank have compared to The Citizens Bank Company?
The CFPB database shows 0 complaints against The Farmers And Merchants Bank, and 0 complaints against The Citizens Bank Company. 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 Farmers And Merchants Bank 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.
