Side-by-side · Q2 2026 data
Commercial Savings Bank vs Farmers State Bank
Metric by metric
| Measure | Commercial Savings Bank | Farmers State Bank |
|---|---|---|
| TellerScore | 62 | 87 (stronger) |
| Capital cushion | 34 | 81 (stronger) |
| Loan quality | 67 | 100 (stronger) |
| Earnings | 100 (stronger) | 65 |
| Funding & liquidity | 49 | 100 (stronger) |
| Problem-loan coverage | 81 | 100 (stronger) |
| Peer percentile | 22nd | 84th |
| Total assets | $348.8M | $36.7M |
| Deposits / shares | $292.7M | $31.5M |
| Capital ratio | 8.44% | 13.07% (stronger) |
| Problem loans | 0.99% | 0.00% (stronger) |
| Net charge-offs | 0.00% | -0.02% (stronger) |
| Return on assets | 2.04% (stronger) | 1.13% |
| Loans ÷ deposits | 97.3% | 39.1% (stronger) |
| Uninsured deposits | 27.2% | 12.7% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Farmers State Bank has the higher TellerScore (87 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Commercial Savings Bank leads on 1 and Farmers State Bank on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.