Side-by-side · Q2 2026 data
Central State Bank vs Farmers Savings Bank
Metric by metric
| Measure | Central State Bank | Farmers Savings Bank |
|---|---|---|
| TellerScore | 55 | 85 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 53 | 81 (stronger) |
| Earnings | 55 | 78 (stronger) |
| Funding & liquidity | 48 | 66 (stronger) |
| Problem-loan coverage | 78 | 95 (stronger) |
| Peer percentile | 11th | 88th |
| Total assets | $557.8M | $140.3M |
| Deposits / shares | $465.9M | $115.3M |
| Capital ratio | 10.43% | 16.51% (stronger) |
| Problem loans | 1.42% | 0.57% (stronger) |
| Net charge-offs | -0.00% (stronger) | 0.00% |
| Return on assets | 0.88% | 1.46% (stronger) |
| Loans ÷ deposits | 94.7% | 88.3% (stronger) |
| Uninsured deposits | 31.0% | 20.0% (stronger) |
| Offices | 3 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.1% | 4.1% |
Farmers Savings Bank has the higher TellerScore (85 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 1 and Farmers Savings Bank on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.