Side-by-side · Q2 2026 data
Farmers and Miners Bank vs Highlands Community Bank
Metric by metric
| Measure | Farmers and Miners Bank | Highlands Community Bank |
|---|---|---|
| TellerScore | 89 (stronger) | 57 |
| Capital cushion | 83 (stronger) | 76 |
| Loan quality | 89 (stronger) | 16 |
| Earnings | 85 (stronger) | 36 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 98 (stronger) | 81 |
| Peer percentile | 94th | 14th |
| Total assets | $193.2M | $188.9M |
| Deposits / shares | $166.3M | $167.3M |
| Capital ratio | 13.28% (stronger) | 12.63% |
| Problem loans | 0.32% (stronger) | 2.51% |
| Net charge-offs | 0.10% (stronger) | 0.27% |
| Return on assets | 1.63% (stronger) | 0.39% |
| Loans ÷ deposits | 59.5% | 48.6% (stronger) |
| Uninsured deposits | 9.2% (stronger) | 18.1% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Miners Bank leads on 6 and Highlands Community Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.