Side-by-side · Q2 2026 data
The First National Bank of Carmi vs The Fairfield National Bank
Metric by metric
| Measure | The First National Bank of Carmi | The Fairfield National Bank |
|---|---|---|
| TellerScore | 75 (stronger) | 65 |
| Capital cushion | 64 | 69 (stronger) |
| Loan quality | 88 (stronger) | 50 |
| Earnings | 68 (stronger) | 47 |
| Funding & liquidity | 68 | 91 (stronger) |
| Problem-loan coverage | 96 (stronger) | 87 |
| Peer percentile | 61st | 29th |
| Total assets | $622.2M | $620.9M |
| Deposits / shares | $545.5M | $410.2M |
| Capital ratio | 11.42% | 11.89% (stronger) |
| Problem loans | 0.35% (stronger) | 1.51% |
| Net charge-offs | -0.15% (stronger) | 0.31% |
| Return on assets | 1.19% (stronger) | 0.69% |
| Loans ÷ deposits | 77.5% | 68.9% (stronger) |
| Uninsured deposits | 28.5% | 9.0% (stronger) |
| Offices | 11 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 16.1% | — |
The First National Bank of Carmi has the higher TellerScore (75 vs 65). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Carmi leads on 4 and The Fairfield National Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.