Side-by-side · Q2 2026 data
Farmers National Bank vs First National Bank of Waterloo
Metric by metric
| Measure | Farmers National Bank | First National Bank of Waterloo |
|---|---|---|
| TellerScore | 88 (stronger) | 60 |
| Capital cushion | 100 (stronger) | 42 |
| Loan quality | 92 (stronger) | 56 |
| Earnings | 67 (stronger) | 58 |
| Funding & liquidity | 76 | 91 (stronger) |
| Problem-loan coverage | 98 (stronger) | 85 |
| Peer percentile | 92nd | 19th |
| Total assets | $895.7M | $929.3M |
| Deposits / shares | $637.2M | $779.6M |
| Capital ratio | 15.03% (stronger) | 9.21% |
| Problem loans | 0.23% (stronger) | 1.33% |
| Net charge-offs | 0.00% (stronger) | 0.03% |
| Return on assets | 1.17% (stronger) | 0.96% |
| Loans ÷ deposits | 76.9% | 69.3% (stronger) |
| Uninsured deposits | 22.0% | 14.0% (stronger) |
| Offices | 4 | 16 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.0% | 2.7% |
Farmers National Bank has the higher TellerScore (88 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Farmers National Bank leads on 5 and First National Bank of Waterloo on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.