Side-by-side · Q2 2026 data
Alliance Community Bank vs Farmers State Bank of Emden
Metric by metric
| Measure | Alliance Community Bank | Farmers State Bank of Emden |
|---|---|---|
| TellerScore | 70 | 91 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 82 | 100 (stronger) |
| Earnings | 69 (stronger) | 67 |
| Funding & liquidity | 94 (stronger) | 85 |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 43rd | 90th |
| Total assets | $414.5M | $37.8M |
| Deposits / shares | $368.0M | $26.4M |
| Capital ratio | 9.08% | 29.58% (stronger) |
| Problem loans | 0.55% | 0.00% (stronger) |
| Net charge-offs | 0.21% | 0.05% (stronger) |
| Return on assets | 1.24% (stronger) | 1.18% |
| Loans ÷ deposits | 66.7% | 46.9% (stronger) |
| Uninsured deposits | 12.5% (stronger) | 28.8% |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | — |
Farmers State Bank of Emden has the higher TellerScore (91 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Alliance Community Bank leads on 2 and Farmers State Bank of Emden 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.