Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Security State Bank of Kenyon
Metric by metric
| Measure | First Farmers & Merchants Bank | Security State Bank of Kenyon |
|---|---|---|
| TellerScore | 77 (stronger) | 76 |
| Capital cushion | 51 | 76 (stronger) |
| Loan quality | 100 (stronger) | 88 |
| Earnings | 74 (stronger) | 54 |
| Funding & liquidity | 79 (stronger) | 75 |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 68th | 56th |
| Total assets | $486.4M | $72.2M |
| Deposits / shares | $436.8M | $63.2M |
| Capital ratio | 10.09% | 12.56% (stronger) |
| Problem loans | 0.01% (stronger) | 0.36% |
| Net charge-offs | -0.00% | -0.02% (stronger) |
| Return on assets | 1.36% (stronger) | 0.86% |
| Loans ÷ deposits | 70.3% (stronger) | 85.4% |
| Uninsured deposits | 24.7% | 9.6% (stronger) |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | — |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 76). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 4 and Security State Bank of Kenyon on 3. 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.