Side-by-side · Q2 2026 data
Farmers Bank & Trust Company vs First National Bank
Metric by metric
| Measure | Farmers Bank & Trust Company | First National Bank |
|---|---|---|
| TellerScore | 61 | 71 (stronger) |
| Capital cushion | 49 | 61 (stronger) |
| Loan quality | 56 | 94 (stronger) |
| Earnings | 78 (stronger) | 68 |
| Funding & liquidity | 56 (stronger) | 37 |
| Problem-loan coverage | 80 | 98 (stronger) |
| Peer percentile | 24th | 63rd |
| Total assets | $3.2B | $2.6B |
| Deposits / shares | $2.7B | $2.1B |
| Capital ratio | 9.87% | 11.12% (stronger) |
| Problem loans | 1.32% | 0.19% (stronger) |
| Net charge-offs | 0.19% | -0.01% (stronger) |
| Return on assets | 1.44% (stronger) | 1.20% |
| Loans ÷ deposits | 88.2% (stronger) | 97.8% |
| Uninsured deposits | 29.4% (stronger) | 37.9% |
| Offices | 24 | 23 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.9% | 3.9% |
First National Bank has the higher TellerScore (71 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank & Trust Company leads on 3 and First National Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.