Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Citizens Tri-County Bank
Metric by metric
| Measure | First Farmers and Merchants Bank | Citizens Tri-County Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 70 |
| Capital cushion | 62 (stronger) | 43 |
| Loan quality | 96 (stronger) | 75 |
| Earnings | 71 | 94 (stronger) |
| Funding & liquidity | 80 (stronger) | 75 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 88th | 58th |
| Total assets | $1.8B | $1.6B |
| Deposits / shares | $1.6B | $1.5B |
| Capital ratio | 11.19% (stronger) | 9.34% |
| Problem loans | 0.12% (stronger) | 0.75% |
| Net charge-offs | 0.00% (stronger) | 0.05% |
| Return on assets | 1.27% | 1.85% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 71.6% |
| Uninsured deposits | 27.7% | 27.3% (stronger) |
| Offices | 20 | 20 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 11.3% |
First Farmers and Merchants Bank has the higher TellerScore (79 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 5 and Citizens Tri-County Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.