Side-by-side · Q2 2026 data
First Farmers & Commercial Bank vs One Bank of Tennessee
Metric by metric
| Measure | First Farmers & Commercial Bank | One Bank of Tennessee |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 49 (stronger) | 41 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 53 | 100 (stronger) |
| Funding & liquidity | 77 | 80 (stronger) |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 47th | 88th |
| Total assets | $226.4M | $1.7B |
| Deposits / shares | $202.8M | $1.5B |
| Capital ratio | 9.86% (stronger) | 9.09% |
| Problem loans | 0.07% | 0.01% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 0.82% | 2.16% (stronger) |
| Loans ÷ deposits | 80.3% | 73.5% (stronger) |
| Uninsured deposits | 17.4% (stronger) | 20.9% |
| Offices | 4 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 3.9% |
One Bank of Tennessee has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Commercial Bank leads on 3 and One Bank of Tennessee on 4. 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.