Side-by-side · Q2 2026 data
The Farmers Bank of Appomattox vs Carter Bank & Trust
Metric by metric
| Measure | The Farmers Bank of Appomattox | Carter Bank & Trust |
|---|---|---|
| TellerScore | 76 | 76 |
| Capital cushion | 76 (stronger) | 67 |
| Loan quality | 80 (stronger) | 66 |
| Earnings | 59 | 100 (stronger) |
| Funding & liquidity | 78 (stronger) | 70 |
| Problem-loan coverage | 93 (stronger) | 86 |
| Peer percentile | 64th | 80th |
| Total assets | $374.6M | $4.8B |
| Deposits / shares | $313.6M | $4.2B |
| Capital ratio | 12.58% (stronger) | 11.73% |
| Problem loans | 0.59% (stronger) | 1.01% |
| Net charge-offs | 0.53% | -0.82% (stronger) |
| Return on assets | 0.98% | 3.66% (stronger) |
| Loans ÷ deposits | 82.4% (stronger) | 87.7% |
| Uninsured deposits | 8.9% (stronger) | 17.7% |
| Offices | 6 | 66 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 28.0% |
Both have the same TellerScore. On the 6 directional measures above (where higher or lower is clearly better), The Farmers Bank of Appomattox leads on 4 and Carter Bank & Trust on 2. 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.