Side-by-side · Q2 2026 data
Farmers Trust and Savings Bank vs First Farmers & Merchants National Bank
Metric by metric
| Measure | Farmers Trust and Savings Bank | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 74 (stronger) | 68 |
| Capital cushion | 49 | 56 (stronger) |
| Loan quality | 98 | 98 |
| Earnings | 83 (stronger) | 61 |
| Funding & liquidity | 56 (stronger) | 30 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 57th | 37th |
| Total assets | $422.7M | $140.4M |
| Deposits / shares | $373.8M | $115.4M |
| Capital ratio | 9.91% | 10.59% (stronger) |
| Problem loans | 0.06% (stronger) | 0.06% |
| Net charge-offs | 0.04% (stronger) | 0.20% |
| Return on assets | 1.58% (stronger) | 1.02% |
| Loans ÷ deposits | 96.0% (stronger) | 99.8% |
| Uninsured deposits | 22.6% (stronger) | 42.6% |
| Offices | 6 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.2% |
Farmers Trust and Savings Bank has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Farmers Trust and Savings Bank leads on 6 and First Farmers & Merchants National Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.