Side-by-side · Q2 2026 data
Arlington State Bank vs First Farmers & Merchants Bank
Metric by metric
| Measure | Arlington State Bank | First Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 50 | 77 (stronger) |
| Capital cushion | 51 | 51 |
| Loan quality | 29 | 100 (stronger) |
| Earnings | 25 | 74 (stronger) |
| Funding & liquidity | 98 (stronger) | 79 |
| Problem-loan coverage | 77 | 100 (stronger) |
| Peer percentile | 9th | 68th |
| Total assets | $56.7M | $486.4M |
| Deposits / shares | $52.7M | $436.8M |
| Capital ratio | 10.13% (stronger) | 10.09% |
| Problem loans | 2.12% | 0.01% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 0.14% | 1.36% (stronger) |
| Loans ÷ deposits | 37.5% (stronger) | 70.3% |
| Uninsured deposits | 17.0% (stronger) | 24.7% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.4% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 50). On the 7 directional measures above (where higher or lower is clearly better), Arlington State Bank leads on 3 and First Farmers & 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.