Side-by-side · Q2 2026 data
FBT Bank & Mortgage vs Cotton Belt Federal Credit Union
Credit union
Cotton Belt Federal Credit Union
Pine Bluff, Arkansas · Under $100 million in assets
Metric by metric
| Measure | FBT Bank & Mortgage | Cotton Belt Federal Credit Union |
|---|---|---|
| TellerScore | 72 (stronger) | 57 |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 77 (stronger) | 0 |
| Earnings | 76 (stronger) | 66 |
| Funding & liquidity | 85 (stronger) | 65 |
| Problem-loan coverage | 88 (stronger) | 45 |
| Peer percentile | 50th | 17th |
| Total assets | $263.6M | $70.0M |
| Deposits / shares | $222.1M | $56.0M |
| Capital ratio | 10.39% | 17.03% (stronger) |
| Problem loans | 0.69% (stronger) | 4.73% |
| Net charge-offs | 0.35% (stronger) | 0.59% |
| Return on assets | 1.41% (stronger) | 1.16% |
| Loans ÷ deposits | 70.2% (stronger) | 95.6% |
| Uninsured deposits | 19.5% | 4.1% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FBT Bank & Mortgage has the higher TellerScore (72 vs 57). On the 7 directional measures above (where higher or lower is clearly better), FBT Bank & Mortgage leads on 5 and Cotton Belt Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.