Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Independent Bank
Metric by metric
| Measure | First Farmers and Merchants Bank | Independent Bank |
|---|---|---|
| TellerScore | 79 (stronger) | 67 |
| Capital cushion | 62 (stronger) | 56 |
| Loan quality | 96 (stronger) | 72 |
| Earnings | 71 (stronger) | 70 |
| Funding & liquidity | 80 (stronger) | 67 |
| Problem-loan coverage | 98 (stronger) | 86 |
| Peer percentile | 88th | 44th |
| Total assets | $1.8B | $1.9B |
| Deposits / shares | $1.6B | $1.6B |
| Capital ratio | 11.19% (stronger) | 10.60% |
| Problem loans | 0.12% (stronger) | 0.85% |
| Net charge-offs | 0.00% (stronger) | 0.36% |
| Return on assets | 1.27% (stronger) | 1.26% |
| Loans ÷ deposits | 65.8% (stronger) | 81.4% |
| Uninsured deposits | 27.7% | 25.4% (stronger) |
| Offices | 20 | 9 |
| 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 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 6 and Independent Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.