Side-by-side · Q2 2026 data
First Century Bank vs Farmers and Miners Bank
Metric by metric
| Measure | First Century Bank | Farmers and Miners Bank |
|---|---|---|
| TellerScore | 73 | 89 (stronger) |
| Capital cushion | 44 | 83 (stronger) |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 88 (stronger) | 85 |
| Funding & liquidity | 55 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 53rd | 94th |
| Total assets | $809.8M | $193.2M |
| Deposits / shares | $722.3M | $166.3M |
| Capital ratio | 9.44% | 13.28% (stronger) |
| Problem loans | 0.07% (stronger) | 0.32% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 1.69% (stronger) | 1.63% |
| Loans ÷ deposits | 96.9% | 59.5% (stronger) |
| Uninsured deposits | 22.7% | 9.2% (stronger) |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First Century Bank leads on 3 and Farmers and Miners Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.