TellerScore

Side-by-side · Q2 2026 data

Farmers National Bank vs First Bank

Bank

Farmers National Bank

Phillipsburg, Kansas · $100 million – $1 billion

91of 100
Very strong

Bank

First Bank

Sterling, Kansas · $100 million – $1 billion

45of 100
Below average

Metric by metric

MeasureFarmers National BankFirst Bank
TellerScore91 (stronger)45
Capital cushion100 (stronger)74
Loan quality86 (stronger)0
Earnings73 (stronger)62
Funding & liquidity99 (stronger)59
Problem-loan coverage98 (stronger)18
Peer percentile96th4th
Total assets$172.5M$162.4M
Deposits / shares$136.7M$124.3M
Capital ratio19.63% (stronger)12.41%
Problem loans0.41% (stronger)7.82%
Net charge-offs0.00%-0.03% (stronger)
Return on assets1.33% (stronger)1.06%
Loans ÷ deposits61.0% (stronger)90.3%
Uninsured deposits9.8% (stronger)24.6%
Offices53
CFPB complaints (3 yrs)——
Complaints per $1B deposits——
Mortgage denial rate (HMDA)——

Farmers National Bank has the higher TellerScore (91 vs 45). On the 7 directional measures above (where higher or lower is clearly better), Farmers National Bank leads on 6 and First Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.

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