Side-by-side · Q2 2026 data
Farmers Bank and Trust Company vs United Southern Bank
Metric by metric
| Measure | Farmers Bank and Trust Company | United Southern Bank |
|---|---|---|
| TellerScore | 76 | 81 (stronger) |
| Capital cushion | 45 | 77 (stronger) |
| Loan quality | 99 (stronger) | 88 |
| Earnings | 85 (stronger) | 78 |
| Funding & liquidity | 72 (stronger) | 70 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 64th | 80th |
| Total assets | $247.8M | $353.7M |
| Deposits / shares | $215.1M | $308.3M |
| Capital ratio | 9.46% | 12.66% (stronger) |
| Problem loans | 0.04% (stronger) | 0.37% |
| Net charge-offs | 0.01% | -0.01% (stronger) |
| Return on assets | 1.63% (stronger) | 1.46% |
| Loans ÷ deposits | 86.5% (stronger) | 90.1% |
| Uninsured deposits | 16.3% | 12.4% (stronger) |
| Offices | 2 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Southern Bank has the higher TellerScore (81 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank and Trust Company leads on 3 and United Southern Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.