Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Mainstreet Federal Credit Union
Metric by metric
| Measure | Farmers Bank & Trust | Mainstreet Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 70 |
| Capital cushion | 100 (stronger) | 49 |
| Loan quality | 94 (stronger) | 76 |
| Earnings | 100 (stronger) | 66 |
| Funding & liquidity | 87 | 96 (stronger) |
| Problem-loan coverage | 99 (stronger) | 89 |
| Peer percentile | 100th | 51st |
| Total assets | $1.1B | $702.7M |
| Deposits / shares | $699.1M | $640.1M |
| Capital ratio | 23.97% (stronger) | 9.87% |
| Problem loans | 0.19% (stronger) | 0.71% |
| Net charge-offs | -0.00% (stronger) | 0.51% |
| Return on assets | 2.56% (stronger) | 1.15% |
| Loans ÷ deposits | 71.3% | 64.4% (stronger) |
| Uninsured deposits | 16.6% | 2.2% (stronger) |
| Offices | 9 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | 21.5% |
Farmers Bank & Trust has the higher TellerScore (96 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 5 and Mainstreet Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.