Side-by-side · Q2 2026 data
Central National Bank vs Farmers Bank & Trust
Metric by metric
| Measure | Central National Bank | Farmers Bank & Trust |
|---|---|---|
| TellerScore | 78 | 96 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 100 (stronger) | 94 |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 66 | 87 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 86th | 100th |
| Total assets | $1.4B | $1.1B |
| Deposits / shares | $1.2B | $699.1M |
| Capital ratio | 11.00% | 23.97% (stronger) |
| Problem loans | 0.01% (stronger) | 0.19% |
| Net charge-offs | 0.15% | -0.00% (stronger) |
| Return on assets | 1.33% | 2.56% (stronger) |
| Loans ÷ deposits | 65.5% (stronger) | 71.3% |
| Uninsured deposits | 40.5% | 16.6% (stronger) |
| Offices | 29 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 11.7% |
Farmers Bank & Trust has the higher TellerScore (96 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Central National Bank leads on 2 and Farmers Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.