Side-by-side · Q2 2026 data
1st Community Bank vs Farmers State Bank
Metric by metric
| Measure | 1st Community Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 68 (stronger) | 33 |
| Capital cushion | 50 (stronger) | 32 |
| Loan quality | 84 (stronger) | 0 |
| Earnings | 53 (stronger) | 42 |
| Funding & liquidity | 77 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 3 |
| Peer percentile | 33rd | 2nd |
| Total assets | $65.3M | $66.9M |
| Deposits / shares | $58.2M | $58.5M |
| Capital ratio | 10.04% (stronger) | 8.18% |
| Problem loans | 0.49% (stronger) | 4.30% |
| Net charge-offs | 0.00% (stronger) | 0.01% |
| Return on assets | 0.83% (stronger) | 0.56% |
| Loans ÷ deposits | 79.3% | 57.7% (stronger) |
| Uninsured deposits | 18.5% | 10.3% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
1st Community Bank has the higher TellerScore (68 vs 33). On the 7 directional measures above (where higher or lower is clearly better), 1st Community Bank leads on 5 and Farmers State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.