Side-by-side · Q2 2026 data
First & Farmers National Bank, Inc. vs Citizens Bank of Cumberland County, Inc.
Bank
Citizens Bank of Cumberland County, Inc.
Burkesville, Kentucky · Under $100 million in assets
Metric by metric
| Measure | First & Farmers National Bank, Inc. | Citizens Bank of Cumberland County, Inc. |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 65 | 73 (stronger) |
| Loan quality | 74 | 83 (stronger) |
| Earnings | 80 | 100 (stronger) |
| Funding & liquidity | 82 (stronger) | 77 |
| Problem-loan coverage | 91 | 94 (stronger) |
| Peer percentile | 61st | 76th |
| Total assets | $714.2M | $94.9M |
| Deposits / shares | $630.7M | $80.5M |
| Capital ratio | 11.51% | 12.25% (stronger) |
| Problem loans | 0.77% | 0.51% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.25% |
| Return on assets | 1.50% | 2.06% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 83.6% |
| Uninsured deposits | 15.6% | 12.0% (stronger) |
| Offices | 11 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens Bank of Cumberland County, Inc. has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), First & Farmers National Bank, Inc. leads on 2 and Citizens Bank of Cumberland County, Inc. on 5. 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
- Burkesville, KY