Side-by-side · Q2 2026 data
The Farmers State Bank vs The First National Bank and Trust Company of Miami
Bank
The First National Bank and Trust Company of Miami
Miami, Oklahoma · $100 million – $1 billion
Metric by metric
| Measure | The Farmers State Bank | The First National Bank and Trust Company of Miami |
|---|---|---|
| TellerScore | 70 | 82 (stronger) |
| Capital cushion | 43 | 84 (stronger) |
| Loan quality | 74 | 80 (stronger) |
| Earnings | 83 | 100 (stronger) |
| Funding & liquidity | 91 (stronger) | 52 |
| Problem-loan coverage | 83 | 94 (stronger) |
| Peer percentile | 43rd | 82nd |
| Total assets | $193.9M | $191.4M |
| Deposits / shares | $182.1M | $162.6M |
| Capital ratio | 9.30% | 13.42% (stronger) |
| Problem loans | 0.79% | 0.60% (stronger) |
| Net charge-offs | 0.49% | 0.00% (stronger) |
| Return on assets | 1.59% | 1.99% (stronger) |
| Loans ÷ deposits | 68.9% (stronger) | 82.4% |
| Uninsured deposits | 12.4% (stronger) | 38.6% |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The First National Bank and Trust Company of Miami has the higher TellerScore (82 vs 70). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank leads on 2 and The First National Bank and Trust Company of Miami on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.