Side-by-side · Q2 2026 data
First Farmers & Merchants Bank vs Sterling State Bank
Metric by metric
| Measure | First Farmers & Merchants Bank | Sterling State Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 59 |
| Capital cushion | 51 (stronger) | 35 |
| Loan quality | 100 (stronger) | 84 |
| Earnings | 74 (stronger) | 59 |
| Funding & liquidity | 79 (stronger) | 41 |
| Problem-loan coverage | 100 (stronger) | 92 |
| Peer percentile | 68th | 17th |
| Total assets | $486.4M | $461.9M |
| Deposits / shares | $436.8M | $359.5M |
| Capital ratio | 10.09% (stronger) | 8.54% |
| Problem loans | 0.01% (stronger) | 0.47% |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 1.36% (stronger) | 0.98% |
| Loans ÷ deposits | 70.3% (stronger) | 84.8% |
| Uninsured deposits | 24.7% (stronger) | 46.2% |
| Offices | 5 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.4% | 10.7% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 59). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants Bank leads on 7 and Sterling State Bank on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.