Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Citizens National Bank
Metric by metric
| Measure | First Farmers and Merchants Bank | Citizens National Bank |
|---|---|---|
| TellerScore | 79 | 82 (stronger) |
| Capital cushion | 62 | 62 |
| Loan quality | 96 | 99 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 80 (stronger) | 58 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 88th | 93rd |
| Total assets | $1.8B | $2.0B |
| Deposits / shares | $1.6B | $1.7B |
| Capital ratio | 11.19% (stronger) | 11.17% |
| Problem loans | 0.12% | 0.04% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.27% | 2.00% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 75.5% |
| Uninsured deposits | 27.7% (stronger) | 38.8% |
| Offices | 20 | 21 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 7.1% |
Citizens National Bank has the higher TellerScore (82 vs 79). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 4 and Citizens National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.