Side-by-side · Q2 2026 data
Bank of Holyrood vs Farmers Bank & Trust
Metric by metric
| Measure | Bank of Holyrood | Farmers Bank & Trust |
|---|---|---|
| TellerScore | 66 | 96 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 3 | 94 (stronger) |
| Earnings | 72 | 100 (stronger) |
| Funding & liquidity | 88 (stronger) | 87 |
| Problem-loan coverage | 75 | 99 (stronger) |
| Peer percentile | 28th | 100th |
| Total assets | $69.8M | $1.1B |
| Deposits / shares | $58.9M | $699.1M |
| Capital ratio | 16.68% | 23.97% (stronger) |
| Problem loans | 2.92% | 0.19% (stronger) |
| Net charge-offs | 0.72% | -0.00% (stronger) |
| Return on assets | 1.29% | 2.56% (stronger) |
| Loans ÷ deposits | 68.0% (stronger) | 71.3% |
| Uninsured deposits | 19.0% | 16.6% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Farmers Bank & Trust has the higher TellerScore (96 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Bank of Holyrood leads on 1 and Farmers Bank & Trust on 6. 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.