Side-by-side · Q2 2026 data
Farmers and Drovers Bank vs Emporia State Federal Credit Union
Metric by metric
| Measure | Farmers and Drovers Bank | Emporia State Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 75 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 88 (stronger) | 84 |
| Earnings | 77 (stronger) | 72 |
| Funding & liquidity | 65 | 90 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 91st | 66th |
| Total assets | $221.9M | $146.5M |
| Deposits / shares | $141.0M | $130.3M |
| Capital ratio | 25.39% (stronger) | 10.74% |
| Problem loans | 0.37% (stronger) | 0.49% |
| Net charge-offs | 0.02% (stronger) | 0.11% |
| Return on assets | 1.41% (stronger) | 1.31% |
| Loans ÷ deposits | 90.7% | 70.6% (stronger) |
| Uninsured deposits | 19.2% | 1.3% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | — |
Farmers and Drovers Bank has the higher TellerScore (87 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Drovers Bank leads on 5 and Emporia State Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.