Side-by-side · Q2 2026 data
Bank of Monticello vs Farmers State Bank
Metric by metric
| Measure | Bank of Monticello | Farmers State Bank |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 95 (stronger) | 89 |
| Loan quality | 65 | 91 (stronger) |
| Earnings | 100 | 100 |
| Funding & liquidity | 64 | 70 (stronger) |
| Problem-loan coverage | 90 | 97 (stronger) |
| Peer percentile | 84th | 95th |
| Total assets | $158.0M | $156.2M |
| Deposits / shares | $135.6M | $134.3M |
| Capital ratio | 14.52% (stronger) | 13.92% |
| Problem loans | 1.06% | 0.28% (stronger) |
| Net charge-offs | -0.19% (stronger) | 0.01% |
| Return on assets | 3.21% (stronger) | 2.15% |
| Loans ÷ deposits | 83.3% (stronger) | 90.3% |
| Uninsured deposits | 26.6% | 15.1% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Bank of Monticello leads on 4 and Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.