Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs Highland Federal Savings and Loan Association
Bank
Highland Federal Savings and Loan Association
Crossville, Tennessee · Under $100 million in assets
Metric by metric
| Measure | First Farmers & Commercial Bank | Highland Federal Savings and Loan Association |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 49 | 100 (stronger) |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 53 (stronger) | 44 |
| Funding & liquidity | 77 | 98 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 47th | 87th |
| Total assets | $226.4M | $79.0M |
| Deposits / shares | $202.8M | $60.3M |
| Capital ratio | 9.86% | 22.20% (stronger) |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.82% (stronger) | 0.61% |
| Loans ÷ deposits | 80.3% | 62.5% (stronger) |
| Uninsured deposits | 17.4% | 6.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Highland Federal Savings and Loan Association has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 2 and Highland Federal Savings and Loan Association on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.