Side-by-side · Q2 2026 data
Citizens Bank vs Farmers State Bank
Metric by metric
| Measure | Citizens Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 60 | 69 (stronger) |
| Capital cushion | 31 | 57 (stronger) |
| Loan quality | 68 (stronger) | 64 |
| Earnings | 83 (stronger) | 65 |
| Funding & liquidity | 61 | 90 (stronger) |
| Problem-loan coverage | 76 | 90 (stronger) |
| Peer percentile | 19th | 37th |
| Total assets | $250.4M | $69.3M |
| Deposits / shares | $221.6M | $62.5M |
| Capital ratio | 8.09% | 10.71% (stronger) |
| Problem loans | 0.96% (stronger) | 1.07% |
| Net charge-offs | 0.04% (stronger) | 0.25% |
| Return on assets | 1.57% (stronger) | 1.13% |
| Loans ÷ deposits | 96.1% | 44.8% (stronger) |
| Uninsured deposits | 17.5% (stronger) | 24.1% |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (69 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Citizens Bank leads on 4 and Farmers State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.