Side-by-side · Q2 2026 data
First Bank & Trust vs First Farmers & Merchants National Bank
Metric by metric
| Measure | First Bank & Trust | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 70 | 70 |
| Capital cushion | 54 | 66 (stronger) |
| Loan quality | 86 (stronger) | 72 |
| Earnings | 72 (stronger) | 71 |
| Funding & liquidity | 58 | 58 |
| Problem-loan coverage | 93 (stronger) | 89 |
| Peer percentile | 58th | 43rd |
| Total assets | $4.8B | $242.6M |
| Deposits / shares | $4.2B | $213.5M |
| Capital ratio | 10.37% | 11.62% (stronger) |
| Problem loans | 0.42% (stronger) | 0.85% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.31% (stronger) | 1.26% |
| Loans ÷ deposits | 84.6% (stronger) | 85.7% |
| Uninsured deposits | 31.1% | 30.5% (stronger) |
| Offices | 22 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Bank & Trust leads on 3 and First Farmers & Merchants National Bank on 3. 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
- Pipestone, MN