Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Northview Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Northview Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 100 (stronger) | 85 |
| Earnings | 74 | 83 (stronger) |
| Funding & liquidity | 79 (stronger) | 64 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 68th | 57th |
| Total assets | $486.4M | $469.7M |
| Deposits / shares | $436.8M | $392.5M |
| Capital ratio | 10.09% | 10.75% (stronger) |
| Problem loans | 0.01% (stronger) | 0.46% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.36% | 1.57% (stronger) |
| Loans ÷ deposits | 70.3% (stronger) | 96.0% |
| Uninsured deposits | 24.7% | 11.4% (stronger) |
| Offices | 5 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 23.1% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 3 and Northview Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.