Side-by-side · Q2 2026 data
First Farmers Bank & Trust Co. vs Farmers State Bank
Metric by metric
| Measure | First Farmers Bank & Trust Co. | Farmers State Bank |
|---|---|---|
| TellerScore | 67 | 78 (stronger) |
| Capital cushion | 51 | 58 (stronger) |
| Loan quality | 67 | 99 (stronger) |
| Earnings | 86 | 94 (stronger) |
| Funding & liquidity | 59 (stronger) | 50 |
| Problem-loan coverage | 87 | 100 (stronger) |
| Peer percentile | 44th | 86th |
| Total assets | $3.5B | $1.3B |
| Deposits / shares | $3.0B | $1.2B |
| Capital ratio | 10.06% | 10.75% (stronger) |
| Problem loans | 1.00% | 0.02% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.01% |
| Return on assets | 1.65% | 1.85% (stronger) |
| Loans ÷ deposits | 83.8% | 77.7% (stronger) |
| Uninsured deposits | 30.2% (stronger) | 44.9% |
| Offices | 37 | 12 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | 8.4% |
Farmers State Bank has the higher TellerScore (78 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers Bank & Trust Co. leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.