Side-by-side · Q2 2026 data
Cherokee State Bank vs The Farmers State Bank
Metric by metric
| Measure | Cherokee State Bank | The Farmers State Bank |
|---|---|---|
| TellerScore | 83 | 88 (stronger) |
| Capital cushion | 80 | 82 (stronger) |
| Loan quality | 100 (stronger) | 83 |
| Earnings | 61 | 95 (stronger) |
| Funding & liquidity | 78 | 96 (stronger) |
| Problem-loan coverage | 100 (stronger) | 96 |
| Peer percentile | 84th | 86th |
| Total assets | $271.1M | $77.2M |
| Deposits / shares | $218.9M | $67.2M |
| Capital ratio | 13.03% | 13.19% (stronger) |
| Problem loans | 0.00% (stronger) | 0.51% |
| Net charge-offs | -0.11% (stronger) | -0.07% |
| Return on assets | 1.03% | 1.87% (stronger) |
| Loans ÷ deposits | 82.5% | 63.8% (stronger) |
| Uninsured deposits | 15.1% | 10.2% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Farmers State Bank has the higher TellerScore (88 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Cherokee State Bank leads on 2 and The Farmers State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.