Side-by-side · Q2 2026 data
The First National Bank of Spearville vs Farmers Bank & Trust
Metric by metric
| Measure | The First National Bank of Spearville | Farmers Bank & Trust |
|---|---|---|
| TellerScore | 56 | 96 (stronger) |
| Capital cushion | 68 | 100 (stronger) |
| Loan quality | 0 | 94 (stronger) |
| Earnings | 76 | 100 (stronger) |
| Funding & liquidity | 92 (stronger) | 87 |
| Problem-loan coverage | 70 | 99 (stronger) |
| Peer percentile | 15th | 100th |
| Total assets | $62.1M | $1.1B |
| Deposits / shares | $53.6M | $699.1M |
| Capital ratio | 11.80% | 23.97% (stronger) |
| Problem loans | 4.06% | 0.19% (stronger) |
| Net charge-offs | 0.07% | -0.00% (stronger) |
| Return on assets | 1.39% | 2.56% (stronger) |
| Loans ÷ deposits | 58.8% (stronger) | 71.3% |
| Uninsured deposits | 22.1% | 16.6% (stronger) |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 11.7% |
Farmers Bank & Trust has the higher TellerScore (96 vs 56). On the 7 directional measures above (where higher or lower is clearly better), The First National Bank of Spearville leads on 1 and Farmers Bank & Trust on 6. 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.