Side-by-side · Q2 2026 data
Farmers Savings Bank vs Citizens State Bank
Metric by metric
| Measure | Farmers Savings Bank | Citizens State Bank |
|---|---|---|
| TellerScore | 80 | 91 (stronger) |
| Capital cushion | 87 | 100 (stronger) |
| Loan quality | 91 | 92 (stronger) |
| Earnings | 46 | 79 (stronger) |
| Funding & liquidity | 81 | 84 (stronger) |
| Problem-loan coverage | 97 | 98 (stronger) |
| Peer percentile | 77th | 96th |
| Total assets | $130.5M | $137.7M |
| Deposits / shares | $111.0M | $112.0M |
| Capital ratio | 13.71% | 17.93% (stronger) |
| Problem loans | 0.27% | 0.25% (stronger) |
| Net charge-offs | 0.05% (stronger) | 0.14% |
| Return on assets | 0.65% | 1.47% (stronger) |
| Loans ÷ deposits | 79.5% | 68.7% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 21.5% |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Citizens State Bank has the higher TellerScore (91 vs 80). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank leads on 2 and Citizens State Bank on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.