Side-by-side · Q2 2026 data
First Farmers Bank & Trust Co. vs Hometown Federal Credit Union
Metric by metric
| Measure | First Farmers Bank & Trust Co. | Hometown Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 79 (stronger) |
| Capital cushion | 51 | 100 (stronger) |
| Loan quality | 67 (stronger) | 44 |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 59 (stronger) | 55 |
| Problem-loan coverage | 87 | 93 (stronger) |
| Peer percentile | 44th | 62nd |
| Total assets | $3.5B | $37.2M |
| Deposits / shares | $3.0B | $24.7M |
| Capital ratio | 10.06% | 33.28% (stronger) |
| Problem loans | 1.00% (stronger) | 1.68% |
| Net charge-offs | -0.01% (stronger) | 0.07% |
| Return on assets | 1.65% | 3.54% (stronger) |
| Loans ÷ deposits | 83.8% (stronger) | 105.1% |
| Uninsured deposits | 30.2% | 0.0% (stronger) |
| Offices | 37 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.6% | — |
Hometown Federal Credit Union has the higher TellerScore (79 vs 67). On the 7 directional measures above (where higher or lower is clearly better), First Farmers Bank & Trust Co. leads on 3 and Hometown Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.