Side-by-side · Q2 2026 data
FBT Bank & Mortgage vs Smackover State Bank
Metric by metric
| Measure | FBT Bank & Mortgage | Smackover State Bank |
|---|---|---|
| TellerScore | 72 (stronger) | 68 |
| Capital cushion | 54 | 60 (stronger) |
| Loan quality | 77 (stronger) | 72 |
| Earnings | 76 (stronger) | 67 |
| Funding & liquidity | 85 (stronger) | 62 |
| Problem-loan coverage | 88 | 89 (stronger) |
| Peer percentile | 50th | 37th |
| Total assets | $263.6M | $252.4M |
| Deposits / shares | $222.1M | $210.4M |
| Capital ratio | 10.39% | 11.04% (stronger) |
| Problem loans | 0.69% (stronger) | 0.83% |
| Net charge-offs | 0.35% | 0.08% (stronger) |
| Return on assets | 1.41% (stronger) | 1.17% |
| Loans ÷ deposits | 70.2% (stronger) | 83.0% |
| Uninsured deposits | 19.5% (stronger) | 28.7% |
| Offices | 4 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
FBT Bank & Mortgage has the higher TellerScore (72 vs 68). On the 7 directional measures above (where higher or lower is clearly better), FBT Bank & Mortgage leads on 5 and Smackover State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.