Side-by-side · Q2 2026 data
United Cumberland Bank vs First & Farmers National Bank, Inc.
Metric by metric
| Measure | United Cumberland Bank | First & Farmers National Bank, Inc. |
|---|---|---|
| TellerScore | 71 | 75 (stronger) |
| Capital cushion | 65 | 65 |
| Loan quality | 54 | 74 (stronger) |
| Earnings | 97 (stronger) | 80 |
| Funding & liquidity | 67 | 82 (stronger) |
| Problem-loan coverage | 83 | 91 (stronger) |
| Peer percentile | 47th | 61st |
| Total assets | $460.2M | $714.2M |
| Deposits / shares | $399.3M | $630.7M |
| Capital ratio | 11.47% | 11.51% (stronger) |
| Problem loans | 1.39% | 0.77% (stronger) |
| Net charge-offs | 0.07% | 0.05% (stronger) |
| Return on assets | 1.93% (stronger) | 1.50% |
| Loans ÷ deposits | 83.5% | 77.3% (stronger) |
| Uninsured deposits | 23.7% | 15.6% (stronger) |
| Offices | 7 | 11 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.7% | — |
First & Farmers National Bank, Inc. has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), United Cumberland Bank leads on 1 and First & Farmers National Bank, Inc. on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.