Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Hiawatha National Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Hiawatha National Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 41 |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 100 (stronger) | 0 |
| Earnings | 74 (stronger) | 56 |
| Funding & liquidity | 79 (stronger) | 59 |
| Problem-loan coverage | 100 (stronger) | 35 |
| Peer percentile | 68th | 3rd |
| Total assets | $486.4M | $781.3M |
| Deposits / shares | $436.8M | $602.1M |
| Capital ratio | 10.09% | 10.76% (stronger) |
| Problem loans | 0.01% (stronger) | 5.32% |
| Net charge-offs | -0.00% (stronger) | 0.02% |
| Return on assets | 1.36% (stronger) | 0.89% |
| Loans ÷ deposits | 70.3% (stronger) | 94.2% |
| Uninsured deposits | 24.7% | 21.9% (stronger) |
| Offices | 5 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 2.2% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 41). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 5 and Hiawatha National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.