Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Heritage Bank & Trust
Metric by metric
| Measure | First Farmers and Merchants Bank | Heritage Bank & Trust |
|---|---|---|
| TellerScore | 79 (stronger) | 65 |
| Capital cushion | 62 (stronger) | 35 |
| Loan quality | 96 (stronger) | 88 |
| Earnings | 71 | 71 |
| Funding & liquidity | 80 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 88th | 29th |
| Total assets | $1.8B | $417.8M |
| Deposits / shares | $1.6B | $377.3M |
| Capital ratio | 11.19% (stronger) | 8.48% |
| Problem loans | 0.12% (stronger) | 0.36% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.27% | 1.28% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 93.7% |
| Uninsured deposits | 27.7% | 17.5% (stronger) |
| Offices | 20 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
First Farmers and Merchants Bank has the higher TellerScore (79 vs 65). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 5 and Heritage Bank & Trust on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Columbia, TN
- Lawrenceburg, TN
- Centerville, TN
- Mount Pleasant, TN