Side-by-side · Q2 2026 data
Farmers Bank vs Citizens' Bank & Trust Co.
Metric by metric
| Measure | Farmers Bank | Citizens' Bank & Trust Co. |
|---|---|---|
| TellerScore | 90 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 68 |
| Loan quality | 93 | 93 |
| Earnings | 66 | 82 (stronger) |
| Funding & liquidity | 91 (stronger) | 81 |
| Problem-loan coverage | 98 | 98 |
| Peer percentile | 95th | 82nd |
| Total assets | $288.7M | $566.4M |
| Deposits / shares | $247.9M | $503.2M |
| Capital ratio | 16.23% (stronger) | 11.78% |
| Problem loans | 0.20% (stronger) | 0.20% |
| Net charge-offs | 0.01% (stronger) | 0.10% |
| Return on assets | 1.16% | 1.55% (stronger) |
| Loans ÷ deposits | 66.0% | 60.8% (stronger) |
| Uninsured deposits | 18.1% (stronger) | 31.2% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 17.3% | — |
Farmers Bank has the higher TellerScore (90 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank leads on 5 and Citizens' Bank & Trust Co. on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.