Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Lawrenceburg Federal Bank
Metric by metric
| Measure | First Farmers and Merchants Bank | Lawrenceburg Federal Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 62 | 100 (stronger) |
| Loan quality | 96 (stronger) | 86 |
| Earnings | 71 (stronger) | 49 |
| Funding & liquidity | 80 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 88th | 63rd |
| Total assets | $1.8B | $95.2M |
| Deposits / shares | $1.6B | $74.8M |
| Capital ratio | 11.19% | 18.43% (stronger) |
| Problem loans | 0.12% (stronger) | 0.41% |
| Net charge-offs | 0.00% (stronger) | 0.09% |
| Return on assets | 1.27% (stronger) | 0.73% |
| Loans ÷ deposits | 65.8% (stronger) | 106.6% |
| Uninsured deposits | 27.7% | 9.9% (stronger) |
| Offices | 20 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | — |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), First Farmers and Merchants Bank leads on 4 and Lawrenceburg Federal Bank on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.