Side-by-side · Q2 2026 data
Farmers Savings Bank & Trust vs Chelsea Savings Bank
Metric by metric
| Measure | Farmers Savings Bank & Trust | Chelsea Savings Bank |
|---|---|---|
| TellerScore | 81 | 93 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 100 (stronger) | 92 |
| Earnings | 73 | 90 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 100 (stronger) | 98 |
| Peer percentile | 80th | 98th |
| Total assets | $212.7M | $196.9M |
| Deposits / shares | $192.2M | $173.8M |
| Capital ratio | 10.25% | 16.01% (stronger) |
| Problem loans | 0.00% (stronger) | 0.24% |
| Net charge-offs | 0.02% | 0.00% (stronger) |
| Return on assets | 1.33% | 1.75% (stronger) |
| Loans ÷ deposits | 59.3% | 48.2% (stronger) |
| Uninsured deposits | 15.0% (stronger) | 29.8% |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | 0.0% |
Chelsea Savings Bank has the higher TellerScore (93 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank & Trust leads on 2 and Chelsea Savings Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Traer, IA