Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs Peoples Bank
Metric by metric
| Measure | First Farmers & Merchants National Bank | Peoples Bank |
|---|---|---|
| TellerScore | 70 (stronger) | 69 |
| Capital cushion | 66 (stronger) | 57 |
| Loan quality | 72 | 72 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 34 |
| Problem-loan coverage | 89 (stronger) | 88 |
| Peer percentile | 43rd | 53rd |
| Total assets | $242.6M | $1.3B |
| Deposits / shares | $213.5M | $1.0B |
| Capital ratio | 11.62% (stronger) | 10.73% |
| Problem loans | 0.85% (stronger) | 0.85% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 1.26% | 2.10% (stronger) |
| Loans ÷ deposits | 85.7% (stronger) | 102.0% |
| Uninsured deposits | 30.5% (stronger) | 37.1% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.1% |
First Farmers & Merchants National Bank has the higher TellerScore (70 vs 69). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 6 and Peoples Bank on 1. 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.