Side-by-side · Q2 2026 data
Farmers Savings Bank vs Union State Bank
Metric by metric
| Measure | Farmers Savings Bank | Union State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 70 |
| Capital cushion | 87 (stronger) | 31 |
| Loan quality | 91 | 100 (stronger) |
| Earnings | 46 | 66 (stronger) |
| Funding & liquidity | 81 | 81 |
| Problem-loan coverage | 97 | 100 (stronger) |
| Peer percentile | 77th | 43rd |
| Total assets | $130.5M | $136.5M |
| Deposits / shares | $111.0M | $125.3M |
| Capital ratio | 13.71% (stronger) | 8.12% |
| Problem loans | 0.27% | 0.00% (stronger) |
| Net charge-offs | 0.05% | 0.01% (stronger) |
| Return on assets | 0.65% | 1.15% (stronger) |
| Loans ÷ deposits | 79.5% | 68.6% (stronger) |
| Uninsured deposits | 14.2% (stronger) | 25.0% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 15.4% |
Farmers Savings Bank has the higher TellerScore (80 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Farmers Savings Bank leads on 3 and Union State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.