Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Independence Teachers Credit Union
Credit union
Independence Teachers Credit Union
Independence, Missouri · Under $100 million in assets
Metric by metric
| Measure | Farmers Bank & Trust | Independence Teachers Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 92 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 | 99 (stronger) |
| Earnings | 100 (stronger) | 60 |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 100th | 92nd |
| Total assets | $1.1B | $16.5M |
| Deposits / shares | $699.1M | $13.9M |
| Capital ratio | 23.97% (stronger) | 15.52% |
| Problem loans | 0.19% | 0.03% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.45% |
| Return on assets | 2.56% (stronger) | 1.00% |
| Loans ÷ deposits | 71.3% | 32.4% (stronger) |
| Uninsured deposits | 16.6% | 1.2% (stronger) |
| Offices | 9 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Farmers Bank & Trust has the higher TellerScore (96 vs 92). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 4 and Independence Teachers Credit Union on 3. 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.