Side-by-side · Q2 2026 data
Central State Bank vs Farmers Trust and Savings Bank
Metric by metric
| Measure | Central State Bank | Farmers Trust and Savings Bank |
|---|---|---|
| TellerScore | 76 (stronger) | 74 |
| Capital cushion | 53 (stronger) | 49 |
| Loan quality | 99 (stronger) | 98 |
| Earnings | 89 (stronger) | 83 |
| Funding & liquidity | 49 | 56 (stronger) |
| Problem-loan coverage | 100 (stronger) | 99 |
| Peer percentile | 64th | 57th |
| Total assets | $419.3M | $422.7M |
| Deposits / shares | $344.4M | $373.8M |
| Capital ratio | 10.27% (stronger) | 9.91% |
| Problem loans | 0.02% (stronger) | 0.06% |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 1.73% (stronger) | 1.58% |
| Loans ÷ deposits | 93.9% (stronger) | 96.0% |
| Uninsured deposits | 30.7% | 22.6% (stronger) |
| Offices | 6 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Central State Bank has the higher TellerScore (76 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Central State Bank leads on 6 and Farmers Trust and Savings Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.