Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs First National Bank of Pulaski
Metric by metric
| Measure | First Farmers and Merchants Bank | First National Bank of Pulaski |
|---|---|---|
| TellerScore | 79 (stronger) | 77 |
| Capital cushion | 62 | 63 (stronger) |
| Loan quality | 96 (stronger) | 92 |
| Earnings | 71 | 76 (stronger) |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 96 |
| Peer percentile | 88th | 83rd |
| Total assets | $1.8B | $1.5B |
| Deposits / shares | $1.6B | $1.3B |
| Capital ratio | 11.19% | 11.32% (stronger) |
| Problem loans | 0.12% (stronger) | 0.24% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.27% | 1.40% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 76.3% |
| Uninsured deposits | 27.7% (stronger) | 29.7% |
| Offices | 20 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 5.6% |
First Farmers and Merchants Bank has the higher TellerScore (79 vs 77). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 5 and First National Bank of Pulaski on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.