Side-by-side · Q2 2026 data
Farmers Bank & Trust Company vs Encore Bank
Metric by metric
| Measure | Farmers Bank & Trust Company | Encore Bank |
|---|---|---|
| TellerScore | 61 | 61 |
| Capital cushion | 49 (stronger) | 44 |
| Loan quality | 56 | 94 (stronger) |
| Earnings | 78 (stronger) | 35 |
| Funding & liquidity | 56 (stronger) | 53 |
| Problem-loan coverage | 80 | 97 (stronger) |
| Peer percentile | 24th | 24th |
| Total assets | $3.2B | $3.7B |
| Deposits / shares | $2.7B | $3.4B |
| Capital ratio | 9.87% (stronger) | 9.43% |
| Problem loans | 1.32% | 0.17% (stronger) |
| Net charge-offs | 0.19% | 0.13% (stronger) |
| Return on assets | 1.44% (stronger) | 0.37% |
| Loans ÷ deposits | 88.2% | 80.1% (stronger) |
| Uninsured deposits | 29.4% (stronger) | 39.8% |
| Offices | 24 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 19.6% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust Company leads on 3 and Encore Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.