Side-by-side · Q2 2026 data
The Farmers State Bank of Westmoreland vs First Commerce Bank
Metric by metric
| Measure | The Farmers State Bank of Westmoreland | First Commerce Bank |
|---|---|---|
| TellerScore | 69 | 79 (stronger) |
| Capital cushion | 89 (stronger) | 68 |
| Loan quality | 32 | 91 (stronger) |
| Earnings | 64 | 90 (stronger) |
| Funding & liquidity | 88 (stronger) | 55 |
| Problem-loan coverage | 82 | 97 (stronger) |
| Peer percentile | 40th | 75th |
| Total assets | $257.7M | $138.5M |
| Deposits / shares | $226.2M | $120.6M |
| Capital ratio | 13.88% (stronger) | 11.79% |
| Problem loans | 2.03% | 0.26% (stronger) |
| Net charge-offs | 0.12% | -0.00% (stronger) |
| Return on assets | 1.10% | 1.75% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 93.1% |
| Uninsured deposits | 23.9% (stronger) | 26.4% |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.7% | — |
First Commerce Bank has the higher TellerScore (79 vs 69). On the 7 directional measures above (where higher or lower is clearly better), The Farmers State Bank of Westmoreland leads on 3 and First Commerce Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.