Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Sm Federal Credit Union
Metric by metric
| Measure | Farmers Bank & Trust | Sm Federal Credit Union |
|---|---|---|
| TellerScore | 96 (stronger) | 89 |
| Capital cushion | 100 | 100 |
| Loan quality | 94 (stronger) | 92 |
| Earnings | 100 (stronger) | 70 |
| Funding & liquidity | 87 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 100th | 87th |
| Total assets | $1.1B | $77.2M |
| Deposits / shares | $699.1M | $61.4M |
| Capital ratio | 23.97% (stronger) | 19.98% |
| Problem loans | 0.19% (stronger) | 0.24% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 2.56% (stronger) | 1.24% |
| Loans ÷ deposits | 71.3% (stronger) | 78.9% |
| Uninsured deposits | 16.6% | 3.3% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.7% | — |
Farmers Bank & Trust has the higher TellerScore (96 vs 89). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 6 and Sm Federal Credit Union on 1. 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.