Side-by-side · Q2 2026 data
Farmers Bank vs River Town Federal Credit Union
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Farmers Bank | River Town Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 93 (stronger) | 92 |
| Earnings | 66 (stronger) | 0 |
| Funding & liquidity | 91 | 92 (stronger) |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 54th |
| Total assets | $288.7M | $15.2M |
| Deposits / shares | $247.9M | $12.9M |
| Capital ratio | 16.23% (stronger) | 14.87% |
| Problem loans | 0.20% (stronger) | 0.24% |
| Net charge-offs | 0.01% (stronger) | 0.04% |
| Return on assets | 1.16% (stronger) | -1.33% |
| Loans ÷ deposits | 66.0% (stronger) | 67.8% |
| Uninsured deposits | 18.1% | 0.0% (stronger) |
| Offices | 10 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.3% | — |
Farmers Bank has the higher TellerScore (90 vs 76). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank leads on 6 and River Town Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.