Side-by-side · Q2 2026 data
Farmers Bank vs The First National Bank of Fort Smith
Metric by metric
| Measure | Farmers Bank | The First National Bank of Fort Smith |
|---|---|---|
| TellerScore | 90 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 61 |
| Loan quality | 93 (stronger) | 85 |
| Earnings | 66 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 60 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 95th | 86th |
| Total assets | $288.7M | $2.3B |
| Deposits / shares | $247.9M | $2.0B |
| Capital ratio | 16.23% (stronger) | 11.08% |
| Problem loans | 0.20% (stronger) | 0.44% |
| Net charge-offs | 0.01% (stronger) | 0.03% |
| Return on assets | 1.16% | 2.04% (stronger) |
| Loans ÷ deposits | 66.0% (stronger) | 77.4% |
| Uninsured deposits | 18.1% (stronger) | 35.6% |
| Offices | 10 | 24 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.3% | 7.2% |
Farmers Bank has the higher TellerScore (90 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank leads on 6 and The First National Bank of Fort Smith 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.
Where both have branches
- Fort Smith, AR
- Greenwood, AR
- Lavaca, AR