Side-by-side · Q2 2026 data
Citizens Bank of Kentucky, Inc. vs First & Farmers National Bank, Inc.
Metric by metric
| Measure | Citizens Bank of Kentucky, Inc. | First & Farmers National Bank, Inc. |
|---|---|---|
| TellerScore | 79 (stronger) | 75 |
| Capital cushion | 85 (stronger) | 65 |
| Loan quality | 72 | 74 (stronger) |
| Earnings | 61 | 80 (stronger) |
| Funding & liquidity | 95 (stronger) | 82 |
| Problem-loan coverage | 94 (stronger) | 91 |
| Peer percentile | 75th | 61st |
| Total assets | $669.9M | $714.2M |
| Deposits / shares | $571.0M | $630.7M |
| Capital ratio | 13.51% (stronger) | 11.51% |
| Problem loans | 0.85% | 0.77% (stronger) |
| Net charge-offs | 0.03% (stronger) | 0.05% |
| Return on assets | 1.04% | 1.50% (stronger) |
| Loans ÷ deposits | 59.8% (stronger) | 77.3% |
| Uninsured deposits | 20.0% | 15.6% (stronger) |
| Offices | 12 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Citizens Bank of Kentucky, Inc. has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank of Kentucky, Inc. leads on 4 and First & Farmers National Bank, Inc. on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.