Side-by-side · Q2 2026 data
Bank & Trust Company vs The First National Bank of Carmi
Metric by metric
| Measure | Bank & Trust Company | The First National Bank of Carmi |
|---|---|---|
| TellerScore | 75 | 75 |
| Capital cushion | 63 | 64 (stronger) |
| Loan quality | 88 | 88 |
| Earnings | 65 | 68 (stronger) |
| Funding & liquidity | 74 (stronger) | 68 |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 61st | 61st |
| Total assets | $641.3M | $622.2M |
| Deposits / shares | $540.5M | $545.5M |
| Capital ratio | 11.27% | 11.42% (stronger) |
| Problem loans | 0.37% | 0.35% (stronger) |
| Net charge-offs | 0.00% | -0.15% (stronger) |
| Return on assets | 1.13% | 1.19% (stronger) |
| Loans ÷ deposits | 78.9% | 77.5% (stronger) |
| Uninsured deposits | 21.6% (stronger) | 28.5% |
| Offices | 9 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 16.1% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Bank & Trust Company leads on 1 and The First National Bank of Carmi on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.