Side-by-side · Q2 2026 data
Thread Bank vs Farmers and Miners Bank
Metric by metric
| Measure | Thread Bank | Farmers and Miners Bank |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 48 | 83 (stronger) |
| Loan quality | 94 (stronger) | 89 |
| Earnings | 43 | 85 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 63rd | 94th |
| Total assets | $1.1B | $193.2M |
| Deposits / shares | $1.0B | $166.3M |
| Capital ratio | 9.75% | 13.28% (stronger) |
| Problem loans | 0.18% (stronger) | 0.32% |
| Net charge-offs | 0.47% | 0.10% (stronger) |
| Return on assets | 0.58% | 1.63% (stronger) |
| Loans ÷ deposits | 41.6% (stronger) | 59.5% |
| Uninsured deposits | 11.0% | 9.2% (stronger) |
| Offices | 2 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers and Miners Bank has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Thread Bank leads on 2 and Farmers and Miners 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.