Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Bank of Lincoln County
Metric by metric
| Measure | First Farmers & Commercial Bank | Bank of Lincoln County |
|---|---|---|
| TellerScore | 71 | 86 (stronger) |
| Capital cushion | 49 | 72 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 53 | 98 (stronger) |
| Funding & liquidity | 77 (stronger) | 63 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 47th | 90th |
| Total assets | $226.4M | $230.1M |
| Deposits / shares | $202.8M | $198.3M |
| Capital ratio | 9.86% | 12.23% (stronger) |
| Problem loans | 0.07% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.04% |
| Return on assets | 0.82% | 1.94% (stronger) |
| Loans ÷ deposits | 80.3% (stronger) | 86.6% |
| Uninsured deposits | 17.4% (stronger) | 24.6% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Bank of Lincoln County has the higher TellerScore (86 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 3 and Bank of Lincoln County on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.