Side-by-side · Q2 2026 data
Farmers Bank vs First National Bank Of Commerce
Metric by metric
| Measure | Farmers Bank | First National Bank Of Commerce |
|---|---|---|
| TellerScore | 90 (stronger) | 80 |
| Capital cushion | 100 (stronger) | 56 |
| Loan quality | 93 | 94 (stronger) |
| Earnings | 66 | 81 (stronger) |
| Funding & liquidity | 91 | 91 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 77th |
| Total assets | $288.7M | $296.6M |
| Deposits / shares | $247.9M | $268.8M |
| Capital ratio | 16.23% (stronger) | 10.65% |
| Problem loans | 0.20% | 0.17% (stronger) |
| Net charge-offs | 0.01% | 0.01% (stronger) |
| Return on assets | 1.16% | 1.52% (stronger) |
| Loans ÷ deposits | 66.0% | 58.2% (stronger) |
| Uninsured deposits | 18.1% (stronger) | 23.3% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.3% | 23.4% |
Farmers Bank has the higher TellerScore (90 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank leads on 3 and First National Bank Of Commerce on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.