Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs One Bank of Tennessee
Metric by metric
| Measure | First Farmers and Merchants Bank | One Bank of Tennessee |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 62 (stronger) | 41 |
| Loan quality | 96 | 100 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 80 | 80 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 88th | 88th |
| Total assets | $1.8B | $1.7B |
| Deposits / shares | $1.6B | $1.5B |
| Capital ratio | 11.19% (stronger) | 9.09% |
| Problem loans | 0.12% | 0.01% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.02% |
| Return on assets | 1.27% | 2.16% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 73.5% |
| Uninsured deposits | 27.7% | 20.9% (stronger) |
| Offices | 20 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.9% | 3.9% |
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 3 and One Bank of Tennessee on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.