Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Farmers State Bank
Metric by metric
| Measure | First Farmers & Commercial Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 71 | 73 (stronger) |
| Capital cushion | 49 | 76 (stronger) |
| Loan quality | 98 (stronger) | 72 |
| Earnings | 53 (stronger) | 51 |
| Funding & liquidity | 77 | 85 (stronger) |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 47th | 53rd |
| Total assets | $226.4M | $232.6M |
| Deposits / shares | $202.8M | $194.3M |
| Capital ratio | 9.86% | 12.63% (stronger) |
| Problem loans | 0.07% (stronger) | 0.83% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.82% (stronger) | 0.77% |
| Loans ÷ deposits | 80.3% | 75.1% (stronger) |
| Uninsured deposits | 17.4% | 9.2% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 3 and Farmers State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.