Side-by-side · Q2 2026 data
The First National Bank of Carmi vs Sainte Marie State Bank
Metric by metric
| Measure | The First National Bank of Carmi | Sainte Marie State Bank |
|---|---|---|
| TellerScore | 75 | 76 (stronger) |
| Capital cushion | 64 | 100 (stronger) |
| Loan quality | 88 | 90 (stronger) |
| Earnings | 68 (stronger) | 0 |
| Funding & liquidity | 68 | 90 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 61st | 56th |
| Total assets | $622.2M | $23.0M |
| Deposits / shares | $545.5M | $19.2M |
| Capital ratio | 11.42% | 15.83% (stronger) |
| Problem loans | 0.35% | 0.31% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.40% |
| Return on assets | 1.19% (stronger) | -0.74% |
| Loans ÷ deposits | 77.5% | 46.5% (stronger) |
| Uninsured deposits | 28.5% | 24.1% (stronger) |
| Offices | 11 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
Sainte Marie State Bank has the higher TellerScore (76 vs 75). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 2 and Sainte Marie State Bank on 5. 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.