Side-by-side · Q2 2026 data
Citizens State Bank vs Farmers Trust and Savings Bank
Metric by metric
| Measure | Citizens State Bank | Farmers Trust and Savings Bank |
|---|---|---|
| TellerScore | 66 (stronger) | 57 |
| Capital cushion | 65 (stronger) | 45 |
| Loan quality | 51 | 52 (stronger) |
| Earnings | 67 | 69 (stronger) |
| Funding & liquidity | 86 (stronger) | 65 |
| Problem-loan coverage | 77 (stronger) | 74 |
| Peer percentile | 31st | 14th |
| Total assets | $594.4M | $618.0M |
| Deposits / shares | $537.8M | $557.3M |
| Capital ratio | 11.48% (stronger) | 9.53% |
| Problem loans | 1.46% | 1.45% (stronger) |
| Net charge-offs | 0.02% | -0.07% (stronger) |
| Return on assets | 1.17% | 1.22% (stronger) |
| Loans ÷ deposits | 60.3% (stronger) | 90.0% |
| Uninsured deposits | 27.0% | 20.2% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.9% | — |
Citizens State Bank has the higher TellerScore (66 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Citizens State Bank leads on 3 and Farmers Trust and Savings Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.