Side-by-side · Q2 2026 data
Farmers and Drovers Bank vs The Citizens State Bank
Metric by metric
| Measure | Farmers and Drovers Bank | The Citizens State Bank |
|---|---|---|
| TellerScore | 87 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 71 |
| Loan quality | 88 (stronger) | 81 |
| Earnings | 77 | 93 (stronger) |
| Funding & liquidity | 65 | 76 (stronger) |
| Problem-loan coverage | 98 (stronger) | 94 |
| Peer percentile | 91st | 80th |
| Total assets | $221.9M | $336.2M |
| Deposits / shares | $141.0M | $294.5M |
| Capital ratio | 25.39% (stronger) | 12.08% |
| Problem loans | 0.37% (stronger) | 0.58% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.41% | 1.81% (stronger) |
| Loans ÷ deposits | 90.7% | 75.3% (stronger) |
| Uninsured deposits | 19.2% (stronger) | 22.9% |
| Offices | 2 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 3.6% | 1.4% |
Farmers and Drovers Bank has the higher TellerScore (87 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Farmers and Drovers Bank leads on 4 and The Citizens State Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.