Side-by-side · Q2 2026 data
First & Farmers National Bank, Inc. vs Farmers Bank and Trust Company
Metric by metric
| Measure | First & Farmers National Bank, Inc. | Farmers Bank and Trust Company |
|---|---|---|
| TellerScore | 75 (stronger) | 74 |
| Capital cushion | 65 (stronger) | 42 |
| Loan quality | 74 | 92 (stronger) |
| Earnings | 80 | 94 (stronger) |
| Funding & liquidity | 82 (stronger) | 67 |
| Problem-loan coverage | 91 | 96 (stronger) |
| Peer percentile | 61st | 57th |
| Total assets | $714.2M | $794.0M |
| Deposits / shares | $630.7M | $699.2M |
| Capital ratio | 11.51% (stronger) | 9.24% |
| Problem loans | 0.77% | 0.23% (stronger) |
| Net charge-offs | 0.05% | 0.02% (stronger) |
| Return on assets | 1.50% | 1.86% (stronger) |
| Loans ÷ deposits | 77.3% (stronger) | 93.7% |
| Uninsured deposits | 15.6% | 11.8% (stronger) |
| Offices | 11 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
First & Farmers National Bank, Inc. has the higher TellerScore (75 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First & Farmers National Bank, Inc. leads on 3 and Farmers Bank and Trust Company on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.