Side-by-side · Q2 2026 data
Security Bank USA vs First Farmers & Merchants National Bank
Metric by metric
| Measure | Security Bank USA | First Farmers & Merchants National Bank |
|---|---|---|
| TellerScore | 77 (stronger) | 70 |
| Capital cushion | 44 | 66 (stronger) |
| Loan quality | 93 (stronger) | 72 |
| Earnings | 94 (stronger) | 71 |
| Funding & liquidity | 80 (stronger) | 58 |
| Problem-loan coverage | 97 (stronger) | 89 |
| Peer percentile | 68th | 43rd |
| Total assets | $263.9M | $242.6M |
| Deposits / shares | $238.8M | $213.5M |
| Capital ratio | 9.36% | 11.62% (stronger) |
| Problem loans | 0.22% (stronger) | 0.85% |
| Net charge-offs | 0.05% | 0.00% (stronger) |
| Return on assets | 1.84% (stronger) | 1.26% |
| Loans ÷ deposits | 80.6% (stronger) | 85.7% |
| Uninsured deposits | 13.7% (stronger) | 30.5% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Security Bank USA has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Security Bank USA leads on 5 and First Farmers & Merchants National Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.