Side-by-side · Q2 2026 data
Availa Bank vs Farmers State Bank
Metric by metric
| Measure | Availa Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 65 | 72 (stronger) |
| Capital cushion | 43 | 62 (stronger) |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 58 | 77 (stronger) |
| Funding & liquidity | 55 (stronger) | 23 |
| Problem-loan coverage | 96 | 100 (stronger) |
| Peer percentile | 36th | 66th |
| Total assets | $1.7B | $1.6B |
| Deposits / shares | $1.4B | $1.3B |
| Capital ratio | 9.33% | 11.20% (stronger) |
| Problem loans | 0.26% | 0.01% (stronger) |
| Net charge-offs | 0.04% | 0.01% (stronger) |
| Return on assets | 0.95% | 1.41% (stronger) |
| Loans ÷ deposits | 82.8% (stronger) | 102.8% |
| Uninsured deposits | 35.2% (stronger) | 46.0% |
| Offices | 12 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 5.3% | 7.5% |
Farmers State Bank has the higher TellerScore (72 vs 65). On the 7 directional measures above (where higher or lower is clearly better), Availa Bank leads on 2 and Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.