Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs Union Bank and Trust Company
Metric by metric
| Measure | First Farmers & Merchants National Bank | Union Bank and Trust Company |
|---|---|---|
| TellerScore | 70 (stronger) | 38 |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 72 (stronger) | 0 |
| Earnings | 71 (stronger) | 55 |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 89 (stronger) | 47 |
| Peer percentile | 43rd | 2nd |
| Total assets | $242.6M | $253.4M |
| Deposits / shares | $213.5M | $230.9M |
| Capital ratio | 11.62% (stronger) | 10.02% |
| Problem loans | 0.85% (stronger) | 3.13% |
| Net charge-offs | 0.00% | 0.00% |
| Return on assets | 1.26% (stronger) | 0.87% |
| Loans ÷ deposits | 85.7% | 49.2% (stronger) |
| Uninsured deposits | 30.5% (stronger) | 67.4% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First Farmers & Merchants National Bank has the higher TellerScore (70 vs 38). On the 6 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 5 and Union Bank and Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.