Side-by-side · Q2 2026 data
Farmers Bank & Trust vs Impact Bank
Metric by metric
| Measure | Farmers Bank & Trust | Impact Bank |
|---|---|---|
| TellerScore | 73 | 80 (stronger) |
| Capital cushion | 56 | 56 |
| Loan quality | 75 | 99 (stronger) |
| Earnings | 77 | 87 (stronger) |
| Funding & liquidity | 86 (stronger) | 75 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 53rd | 77th |
| Total assets | $159.0M | $167.2M |
| Deposits / shares | $144.8M | $153.0M |
| Capital ratio | 10.58% | 10.62% (stronger) |
| Problem loans | 0.75% | 0.03% (stronger) |
| Net charge-offs | 2.87% | 0.05% (stronger) |
| Return on assets | 1.43% | 1.67% (stronger) |
| Loans ÷ deposits | 63.7% (stronger) | 64.7% |
| Uninsured deposits | 24.8% (stronger) | 33.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Impact Bank has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust leads on 2 and Impact Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.