Side-by-side · Q2 2026 data
First Farmers and Merchants Bank vs Peoples Bank
Metric by metric
| Measure | First Farmers and Merchants Bank | Peoples Bank |
|---|---|---|
| TellerScore | 79 | 79 |
| Capital cushion | 62 | 77 (stronger) |
| Loan quality | 96 (stronger) | 87 |
| Earnings | 71 | 79 (stronger) |
| Funding & liquidity | 80 (stronger) | 56 |
| Problem-loan coverage | 98 (stronger) | 95 |
| Peer percentile | 88th | 75th |
| Total assets | $1.8B | $445.3M |
| Deposits / shares | $1.6B | $376.4M |
| Capital ratio | 11.19% | 12.72% (stronger) |
| Problem loans | 0.12% (stronger) | 0.39% |
| Net charge-offs | 0.00% (stronger) | 0.27% |
| Return on assets | 1.27% | 1.46% (stronger) |
| Loans ÷ deposits | 65.8% (stronger) | 94.8% |
| Uninsured deposits | 27.7% | 23.2% (stronger) |
| Offices | 20 | 5 |
| 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 3 and Peoples Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Mount Pleasant, TN