Side-by-side · Q2 2026 data
Farmers Bank and Trust Company vs Bank of Cadiz and Trust Company
Metric by metric
| Measure | Farmers Bank and Trust Company | Bank of Cadiz and Trust Company |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 45 (stronger) | 41 |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 85 (stronger) | 60 |
| Funding & liquidity | 72 | 98 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 64th | 57th |
| Total assets | $247.8M | $142.9M |
| Deposits / shares | $215.1M | $137.9M |
| Capital ratio | 9.46% (stronger) | 9.07% |
| Problem loans | 0.04% | 0.00% (stronger) |
| Net charge-offs | 0.01% (stronger) | 0.38% |
| Return on assets | 1.63% (stronger) | 0.99% |
| Loans ÷ deposits | 86.5% | 61.9% (stronger) |
| Uninsured deposits | 16.3% | 9.3% (stronger) |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers Bank and 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 4 and Bank of Cadiz and Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.