Side-by-side · Q2 2026 data
Simmons Bank vs Timberline Federal Credit Union
Credit union
Timberline Federal Credit Union
Crossett, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Simmons Bank | Timberline Federal Credit Union |
|---|---|---|
| TellerScore | 60 (stronger) | 59 |
| Capital cushion | 42 | 100 (stronger) |
| Loan quality | 69 (stronger) | 26 |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 47 | 92 (stronger) |
| Problem-loan coverage | 90 (stronger) | 86 |
| Peer percentile | 29th | 20th |
| Total assets | $24.7B | $80.4M |
| Deposits / shares | $19.9B | $67.3M |
| Capital ratio | 9.18% | 19.61% (stronger) |
| Problem loans | 0.92% (stronger) | 2.22% |
| Net charge-offs | 0.20% (stronger) | 0.76% |
| Return on assets | 1.21% (stronger) | -0.61% |
| Loans ÷ deposits | 89.5% | 68.1% (stronger) |
| Uninsured deposits | 36.2% | 4.0% (stronger) |
| Offices | 218 | 1 |
| CFPB complaints (3 yrs) | 166 | — |
| Complaints per $1B deposits | 8.3 | — |
| Mortgage denial rate (HMDA) | 26.5% | — |
Simmons Bank has the higher TellerScore (60 vs 59). On the 7 directional measures above (where higher or lower is clearly better), Simmons Bank leads on 4 and Timberline Federal Credit Union on 3. 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.