Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Citizens Tri-County Bank
Metric by metric
| Measure | First Farmers & Commercial Bank | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 71 (stronger) | 70 |
| Capital cushion | 49 (stronger) | 43 |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 53 | 94 (stronger) |
| Funding & liquidity | 77 (stronger) | 75 |
| Problem-loan coverage | 99 (stronger) | 86 |
| Peer percentile | 47th | 58th |
| Total assets | $226.4M | $1.6B |
| Deposits / shares | $202.8M | $1.5B |
| Capital ratio | 9.86% (stronger) | 9.34% |
| Problem loans | 0.07% (stronger) | 0.75% |
| Net charge-offs | -0.00% (stronger) | 0.05% |
| Return on assets | 0.82% | 1.85% (stronger) |
| Loans ÷ deposits | 80.3% | 71.6% (stronger) |
| Uninsured deposits | 17.4% (stronger) | 27.3% |
| Offices | 4 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.3% |
First Farmers & Commercial Bank has the higher TellerScore (71 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 5 and Citizens Tri-County Bank on 2. 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
- Dunlap, TN
- Pikeville, TN