Tiaa Trust National Assn vs Mechanics&Farmers Bank
Side-by-side bank health comparison using FDIC financial data
Tiaa Trust National Assn (A) and Mechanics&Farmers Bank (A) are close on the BankHealth rubric. Asset bases: $250M versus $451M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Tiaa Trust National Assn has a stronger Bank Health Score of 100/100 (A) compared to Mechanics&Farmers Bank at 94/100 (A), a difference of 6 points. Tiaa Trust National Assn holds a Tier 1 capital ratio of 89.8% and an NPL ratio of 0.00%.
| Metric | Tiaa Trust National Assn | Mechanics&Farmers Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A)* | 94/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 89.8%* | 24.6% |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0%* | 0.4% |
| Liquidity Ratio Cash and liquid assets vs obligations | 85.7%* | 34.4% |
| Return on Assets Profitability metric (above 1% is strong) | 41.2%* | 1.0% |
| Total Assets | $250M | $451M |
| Total Deposits | $0 | $384M |
| Location | Charlotte, North Carolina | Durham, North Carolina |
Tiaa Trust National Assn has a stronger Bank Health Score of 100/100 (A) compared to Mechanics&Farmers Bank at 94/100 (A), a difference of 6 points. Tiaa Trust National Assn holds a Tier 1 capital ratio of 89.8% and an NPL ratio of 0.00%.