Side-by-side · Q2 2026 data
First State Bank and Trust vs First Farmers & Merchants Bank
Metric by metric
| Measure | First State Bank and Trust | First Farmers & Merchants Bank |
|---|---|---|
| TellerScore | 73 | 77 (stronger) |
| Capital cushion | 39 | 51 (stronger) |
| Loan quality | 99 | 100 (stronger) |
| Earnings | 91 (stronger) | 74 |
| Funding & liquidity | 56 | 79 (stronger) |
| Problem-loan coverage | 100 | 100 |
| Peer percentile | 53rd | 68th |
| Total assets | $499.0M | $486.4M |
| Deposits / shares | $455.4M | $436.8M |
| Capital ratio | 8.91% | 10.09% (stronger) |
| Problem loans | 0.03% | 0.01% (stronger) |
| Net charge-offs | 0.00% | -0.00% (stronger) |
| Return on assets | 1.77% (stronger) | 1.36% |
| Loans ÷ deposits | 71.6% | 70.3% (stronger) |
| Uninsured deposits | 44.3% | 24.7% (stronger) |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 13.6% | 10.4% |
First Farmers & Merchants Bank has the higher TellerScore (77 vs 73). On the 7 directional measures above (where higher or lower is clearly better), First State Bank and Trust leads on 1 and First Farmers & Merchants Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.