Side-by-side · Q2 2026 data
Farmers and Miners Bank vs The First Bank and Trust Company
Metric by metric
| Measure | Farmers and Miners Bank | The First Bank and Trust Company |
|---|---|---|
| TellerScore | 89 (stronger) | 72 |
| Capital cushion | 83 (stronger) | 51 |
| Loan quality | 89 | 91 (stronger) |
| Earnings | 85 | 93 (stronger) |
| Funding & liquidity | 100 (stronger) | 37 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 94th | 66th |
| Total assets | $193.2M | $4.3B |
| Deposits / shares | $166.3M | $3.8B |
| Capital ratio | 13.28% (stronger) | 10.07% |
| Problem loans | 0.32% | 0.28% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.22% |
| Return on assets | 1.63% | 1.83% (stronger) |
| Loans ÷ deposits | 59.5% (stronger) | 93.9% |
| Uninsured deposits | 9.2% (stronger) | 41.5% |
| Offices | 6 | 29 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Miners Bank leads on 5 and The First Bank and Trust Company on 2. 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.
Where both have branches
- Wise, VA