Side-by-side · Q2 2026 data
BankStar Financial vs First Farmers & Merchants National Bank
Metric by metric
| Measure | BankStar Financial | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 44 | 66 (stronger) |
| Loan quality | 95 (stronger) | 72 |
| Earnings | 81 (stronger) | 71 |
| Funding & liquidity | 54 | 58 (stronger) |
| Problem-loan coverage | 98 (stronger) | 89 |
| Peer percentile | 47th | 43rd |
| Total assets | $363.5M | $242.6M |
| Deposits / shares | $302.1M | $213.5M |
| Capital ratio | 9.42% | 11.62% (stronger) |
| Problem loans | 0.14% (stronger) | 0.85% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 1.53% (stronger) | 1.26% |
| Loans ÷ deposits | 93.2% | 85.7% (stronger) |
| Uninsured deposits | 27.3% (stronger) | 30.5% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
BankStar Financial has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), BankStar Financial leads on 4 and First Farmers & Merchants National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.