Side-by-side · Q2 2026 data
Farmers Bank of Northern Missouri vs First State Bank of St. Charles, Missouri
Bank
First State Bank of St. Charles, Missouri
St. Charles, Missouri · $100 million – $1 billion
Metric by metric
| Measure | Farmers Bank of Northern Missouri | First State Bank of St. Charles, Missouri |
|---|---|---|
| TellerScore | 83 | 85 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 91 (stronger) | 87 |
| Earnings | 72 | 87 (stronger) |
| Funding & liquidity | 89 (stronger) | 43 |
| Problem-loan coverage | 97 (stronger) | 96 |
| Peer percentile | 84th | 88th |
| Total assets | $566.5M | $535.2M |
| Deposits / shares | $478.4M | $400.8M |
| Capital ratio | 12.71% | 15.65% (stronger) |
| Problem loans | 0.26% (stronger) | 0.40% |
| Net charge-offs | 0.02% | -0.00% (stronger) |
| Return on assets | 1.29% | 1.67% (stronger) |
| Loans ÷ deposits | 68.1% (stronger) | 106.1% |
| Uninsured deposits | 18.1% (stronger) | 25.3% |
| Offices | 10 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
First State Bank of St. Charles, Missouri has the higher TellerScore (85 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Farmers Bank of Northern Missouri leads on 3 and First State Bank of St. Charles, Missouri on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.