Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs State Bank of Chandler
Metric by metric
| Measure | First Farmers & Merchants National Bank | State Bank of Chandler |
|---|---|---|
| TellerScore | 70 | 74 (stronger) |
| Capital cushion | 66 | 66 |
| Loan quality | 72 (stronger) | 68 |
| Earnings | 71 | 80 (stronger) |
| Funding & liquidity | 58 | 83 (stronger) |
| Problem-loan coverage | 89 | 89 |
| Peer percentile | 43rd | 51st |
| Total assets | $242.6M | $68.7M |
| Deposits / shares | $213.5M | $60.2M |
| Capital ratio | 11.62% (stronger) | 11.59% |
| Problem loans | 0.85% (stronger) | 0.95% |
| Net charge-offs | 0.00% (stronger) | 0.00% |
| Return on assets | 1.26% | 1.49% (stronger) |
| Loans ÷ deposits | 85.7% | 77.7% (stronger) |
| Uninsured deposits | 30.5% | 9.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
State Bank of Chandler has the higher TellerScore (74 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 3 and State Bank of Chandler on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.