Side-by-side · Q2 2026 data
Farmers Bank and Trust Company vs Service One Credit Union
Credit union
Service One Credit Union
Bowling Green, Kentucky · $100 million – $1 billion
Metric by metric
| Measure | Farmers Bank and Trust Company | Service One Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 53 |
| Capital cushion | 42 | 45 (stronger) |
| Loan quality | 92 (stronger) | 53 |
| Earnings | 94 (stronger) | 36 |
| Funding & liquidity | 67 | 77 (stronger) |
| Problem-loan coverage | 96 (stronger) | 78 |
| Peer percentile | 57th | 9th |
| Total assets | $794.0M | $269.1M |
| Deposits / shares | $699.2M | $242.9M |
| Capital ratio | 9.24% | 9.51% (stronger) |
| Problem loans | 0.23% (stronger) | 1.40% |
| Net charge-offs | 0.02% (stronger) | 0.21% |
| Return on assets | 1.86% (stronger) | 0.41% |
| Loans ÷ deposits | 93.7% | 83.5% (stronger) |
| Uninsured deposits | 11.8% | 5.3% (stronger) |
| Offices | 9 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 12.5% |
Farmers Bank and Trust Company has the higher TellerScore (74 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank and Trust Company leads on 4 and Service One Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.