Side-by-side · Q2 2026 data
Farmers Bank and Trust Company vs Wilson & Muir Bank & Trust Company
Metric by metric
| Measure | Farmers Bank and Trust Company | Wilson & Muir Bank & Trust Company |
|---|---|---|
| TellerScore | 74 | 76 (stronger) |
| Capital cushion | 42 | 44 (stronger) |
| Loan quality | 92 (stronger) | 91 |
| Earnings | 94 | 100 (stronger) |
| Funding & liquidity | 67 | 69 (stronger) |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 57th | 64th |
| Total assets | $794.0M | $818.4M |
| Deposits / shares | $699.2M | $727.6M |
| Capital ratio | 9.24% | 9.43% (stronger) |
| Problem loans | 0.23% (stronger) | 0.27% |
| Net charge-offs | 0.02% (stronger) | 0.04% |
| Return on assets | 1.86% | 2.61% (stronger) |
| Loans ÷ deposits | 93.7% | 74.8% (stronger) |
| Uninsured deposits | 11.8% (stronger) | 29.8% |
| Offices | 9 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.5% | 3.3% |
Wilson & Muir Bank & Trust Company has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank and Trust Company leads on 3 and Wilson & Muir Bank & Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.