Side-by-side · Q2 2026 data
First Farmers & Merchants National Bank vs VisionBank
Metric by metric
| Measure | First Farmers & Merchants National Bank | VisionBank |
|---|---|---|
| TellerScore | 70 (stronger) | 57 |
| Capital cushion | 66 (stronger) | 50 |
| Loan quality | 72 (stronger) | 40 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 58 (stronger) | 43 |
| Problem-loan coverage | 89 (stronger) | 59 |
| Peer percentile | 43rd | 14th |
| Total assets | $242.6M | $253.9M |
| Deposits / shares | $213.5M | $183.6M |
| Capital ratio | 11.62% (stronger) | 9.99% |
| Problem loans | 0.85% (stronger) | 1.81% |
| Net charge-offs | 0.00% | -0.11% (stronger) |
| Return on assets | 1.26% | 2.13% (stronger) |
| Loans ÷ deposits | 85.7% (stronger) | 121.4% |
| Uninsured deposits | 30.5% | 21.9% (stronger) |
| 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 57). On the 7 directional measures above (where higher or lower is clearly better), First Farmers & Merchants National Bank leads on 4 and VisionBank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.