Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs United Farmers State Bank
Metric by metric
| Measure | First Farmers & Merchants National Bank | United Farmers State Bank |
|---|---|---|
| TellerScore | 70 | 75 (stronger) |
| Capital cushion | 66 (stronger) | 53 |
| Loan quality | 72 | 89 (stronger) |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 50 |
| Problem-loan coverage | 89 | 93 (stronger) |
| Peer percentile | 43rd | 61st |
| Total assets | $242.6M | $233.8M |
| Deposits / shares | $213.5M | $181.6M |
| Capital ratio | 11.62% (stronger) | 10.33% |
| Problem loans | 0.85% | 0.33% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.26% | 2.12% (stronger) |
| Loans ÷ deposits | 85.7% (stronger) | 112.0% |
| Uninsured deposits | 30.5% | 13.9% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
United Farmers State Bank has the higher TellerScore (75 vs 70). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 2 and United Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.