Side-by-side · Q2 2026 data
Bank of Winnfield & Trust Company vs Farmers State Bank & Trust Co.
Metric by metric
| Measure | Bank of Winnfield & Trust Company | Farmers State Bank & Trust Co. |
|---|---|---|
| TellerScore | 80 (stronger) | 56 |
| Capital cushion | 94 (stronger) | 41 |
| Loan quality | 78 (stronger) | 8 |
| Earnings | 50 | 97 (stronger) |
| Funding & liquidity | 87 | 100 (stronger) |
| Problem-loan coverage | 96 (stronger) | 70 |
| Peer percentile | 77th | 13th |
| Total assets | $156.0M | $174.7M |
| Deposits / shares | $136.9M | $159.7M |
| Capital ratio | 14.43% (stronger) | 9.10% |
| Problem loans | 0.67% (stronger) | 2.76% |
| Net charge-offs | 0.04% (stronger) | 0.13% |
| Return on assets | 0.74% | 1.93% (stronger) |
| Loans ÷ deposits | 41.4% (stronger) | 50.7% |
| Uninsured deposits | 27.3% | 15.2% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 20.0% |
Bank of Winnfield & Trust Company has the higher TellerScore (80 vs 56). On the 7 directional measures above (where higher or lower is clearly better), Bank of Winnfield & Trust Company leads on 5 and Farmers State Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.