Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Foundation Bank
Metric by metric
| Measure | First Farmers & Commercial Bank | Foundation Bank |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 49 | 97 (stronger) |
| Loan quality | 98 (stronger) | 20 |
| Earnings | 53 | 95 (stronger) |
| Funding & liquidity | 77 | 92 (stronger) |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 47th | 61st |
| Total assets | $226.4M | $217.9M |
| Deposits / shares | $202.8M | $183.2M |
| Capital ratio | 9.86% | 14.72% (stronger) |
| Problem loans | 0.07% (stronger) | 2.39% |
| Net charge-offs | -0.00% (stronger) | 0.29% |
| Return on assets | 0.82% | 1.89% (stronger) |
| Loans ÷ deposits | 80.3% | 64.3% (stronger) |
| Uninsured deposits | 17.4% (stronger) | 18.0% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 21.1% |
Foundation Bank has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 3 and Foundation Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.