This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Los Angeles, CA
Health score
82.5
Total assets
$5.9B
Bank
Lodi, CA
Health score
91.3
Total assets
$5.8B
Answer first
CTBC Bank Corp. (USA) leads on capitalization and growth; Farmers & Merchants Bank of Central California leads on financial health and profitability and lending quality. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Farmers & Merchants Bank of Central California
Higher TFS health score
Capitalization
CTBC Bank Corp. (USA)
Higher comparable capital ratio
Profitability
Farmers & Merchants Bank of Central California
Higher return on assets
Lending quality
Farmers & Merchants Bank of Central California
Lower problem-loan measure
Growth
CTBC Bank Corp. (USA)
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | CTBC Bank Corp. (USA) | Farmers & Merchants Bank of Central California |
|---|---|---|
| TFS health score | 82.5/100 | 91.3/100Leads |
| Total assets | $5.9B | $5.8B |
| Total deposits / shares | $5.0B | $5.1B |
| Tier 1 capital ratio | 14.67%Leads | 11.65% |
| Return on assets | 0.87% | 1.74%Leads |
| Return on equity | 6.33% | 15.04% |
CTBC Bank Corp. (USA)
20 branches
Farmers & Merchants Bank of Central California
34 branches
Both institutions report branches in 1 state: CA.
CTBC Bank Corp. (USA)
Unavailable
Farmers & Merchants Bank of Central California
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
CTBC Bank Corp. (USA)
0 in TFS registry
Farmers & Merchants Bank of Central California
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | CTBC Bank Corp. (USA) score | CTBC Bank Corp. (USA) ROA | Farmers & Merchants Bank of Central California score | Farmers & Merchants Bank of Central California ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.73% | — | 1.68% |
| 2024-Q4 | — | 0.75% | — | 1.68% |
| 2025-Q1 | — | 0.74% | — | 1.71% |
| 2025-Q2 | — | 0.68% | — | 1.72% |
| 2025-Q3 | — | 0.76% | — | 1.72% |
| 2025-Q4 | — | 0.83% | — | 1.73% |
| 2026-Q1 | 81.9/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| Non-performing loans | 1.55% | 0.13%Leads |
| Net charge-offs | 0.06% | 0.01%Leads |
| Efficiency ratio | 59.20% | 44.13%Leads |
| Loan-to-deposit ratio | 87.10% | 71.16% |
| Asset growth (YoY) | 10.35%Leads | 6.48% |
| Deposit / share growth (YoY) | 10.59%Leads | 6.96% |
| Branches | 20 | 34 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.93% |
| 89.1/100 |
| 1.71% |
| 2026-Q2 | 82.5/100 | 0.87% | 91.3/100 | 1.74% |