Side-by-side · Q2 2026 data
Fredonia Valley Bank vs Farmers Bank and Trust Company
Metric by metric
| Measure | Fredonia Valley Bank | Farmers Bank and Trust Company |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 65 (stronger) | 42 |
| Loan quality | 60 | 92 (stronger) |
| Earnings | 57 | 94 (stronger) |
| Funding & liquidity | 89 (stronger) | 67 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 37th | 57th |
| Total assets | $119.8M | $794.0M |
| Deposits / shares | $105.5M | $699.2M |
| Capital ratio | 11.49% (stronger) | 9.24% |
| Problem loans | 1.19% | 0.23% (stronger) |
| Net charge-offs | 0.02% | 0.02% (stronger) |
| Return on assets | 0.93% | 1.86% (stronger) |
| Loans ÷ deposits | 68.3% (stronger) | 93.7% |
| Uninsured deposits | 17.8% | 11.8% (stronger) |
| Offices | 2 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 10.5% |
Farmers Bank and Trust Company has the higher TellerScore (74 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Fredonia Valley Bank leads on 2 and Farmers Bank and Trust Company on 5. 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.