Side-by-side · Q2 2026 data
The Farmers Bank vs Southern Bank of Tennessee
Metric by metric
| Measure | The Farmers Bank | Southern Bank of Tennessee |
|---|---|---|
| TellerScore | 89 (stronger) | 68 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 87 (stronger) | 71 |
| Funding & liquidity | 74 (stronger) | 52 |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 94th | 37th |
| Total assets | $942.8M | $533.4M |
| Deposits / shares | $800.0M | $469.4M |
| Capital ratio | 15.09% (stronger) | 9.01% |
| Problem loans | 0.53% | 0.05% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.28% |
| Return on assets | 1.67% (stronger) | 1.27% |
| Loans ÷ deposits | 77.6% (stronger) | 83.3% |
| Uninsured deposits | 22.6% (stronger) | 37.0% |
| Offices | 10 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.9% | 3.4% |
The Farmers Bank has the higher TellerScore (89 vs 68). On the 7 directional measures above (where higher or lower is clearly better), The Farmers Bank leads on 6 and Southern Bank of Tennessee on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.