Side-by-side · Q2 2026 data
American State Bank vs Farmers State Bank
Metric by metric
| Measure | American State Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 66 | 72 (stronger) |
| Capital cushion | 58 | 62 (stronger) |
| Loan quality | 78 | 100 (stronger) |
| Earnings | 80 (stronger) | 77 |
| Funding & liquidity | 24 (stronger) | 23 |
| Problem-loan coverage | 90 | 100 (stronger) |
| Peer percentile | 40th | 66th |
| Total assets | $1.4B | $1.6B |
| Deposits / shares | $1.2B | $1.3B |
| Capital ratio | 10.81% | 11.20% (stronger) |
| Problem loans | 0.65% | 0.01% (stronger) |
| Net charge-offs | 0.06% | 0.01% (stronger) |
| Return on assets | 1.51% (stronger) | 1.41% |
| Loans ÷ deposits | 109.7% | 102.8% (stronger) |
| Uninsured deposits | 38.7% (stronger) | 46.0% |
| Offices | 10 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.7% | 7.5% |
Farmers State Bank has the higher TellerScore (72 vs 66). On the 7 directional measures above (where higher or lower is clearly better), American State Bank leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.